 You've got to think through retirement more than just one singular event. You've got to think through it as different stages of retirement. So when you go into it, it's your go-go years. You're going to be busier. You're going to be moving on. And then you're going to have your slow-go years where you're going to slow down a little bit. And then you're going to have your no-go years. And that's your legacy. But your legacy is set up the minute you go into retirement. It's all the decisions that you make in the beginning.