Yeah, great, great question, Steve. And, you know, there are a couple periods of our time in our life where our decisions have an outsized impact, and retirement, and when and how we decide to retire is one of those periods of time, we're shifting from having paychecks coming in every week, or every two weeks, however, you get paid to now having to pay ourselves and having no paychecks coming in. So a coordinating things like social security into your retirement planning, coordinating your benefit, making sure you're not leaving money on the table, understanding how to use a mortgage in retirement, these are all things that are going to help people create some additional success in their retirement, retiring can be a very stressful thing. So people are getting ready to retire in the near future. What are some of the things that they should be thinking about? One of the big things that I always harp on and anybody who's come to my classes or or heard me speak, be aware that understanding how to make tax code work for you, is something that's really, really important. Most retirees when they are asked, What will your biggest expense be during retirement, vastly overestimate the amount of money they'll spend on health care during retirement, I have an anecdotal story about this, I met with some folks recently, and we were just chatting about this. And they had budgeted for their health care costs per year in retirement close to $16,000 a year. Right. And they figure they're gonna need that between insurance and copiousness. None of the other Well, they didn't really understand exactly how Medicare worked. And they didn't realize that Medicare is actually a really efficient and effective program, and that their costs are going to be substantially lower than they had budgeted. Well, the great news about this is that that money can then be used someplace else, or saved for the future. Right. So I think that understanding the expenses that people have that a retiree is going to have to determine sort of get your mind around that is going to help people, particularly from the standpoint of tax planning, were saying, okay, hey, you know what, I have this big bucket of money. And it this probably was surprising, Steve, but the largest amount of wealth in this country is kept in 401, Ks and IRAs, retirement plans. And so the problem with that is that when people do start to withdraw money from those retirement plans, it is going to be taxed, we have a partner in the IRS. So without harping on this too long. One of the things that I think every retiree or pre retirees should be doing is taking a careful look at how they've saved so far, and what they can expect for a tax picture going forward from this point, especially once they hit retirement. And then they should be learning about how they can do things like tax free planning or Roth conversions, to maybe take advantage of the current tax rates or their current tax decision and create more wealth for themselves. And if they have kids that they like their heirs or their beneficiaries after they pass away, I think the other thing that's important for people who are within five years of their retirement date, this is an extremely important one of the five years prior to retirement. And the five years after retirement is a period of time that the Wall Street Journal called the fragile decade. What they mean by this is that any volatility in the market, especially in that period of time, has an outsized impact on the total amount of income and wealth will experience during our lifetime. There was a study that was conducted that just found that people who experienced high degrees of volatility during that tenure window, experienced less wealth, and ran out of income at a much higher rate than their peers who retired during a stable market. Now, neither one of these groups was smarter than the other either one had planned better than the other. One group just got lucky to retire during a stable market period. The other group got unlucky and returned during a very volatile market. So I think that one of the things that people who are close to retiring need to be very careful of is the volatility they have inside of their retirement accounts. And if there is some type of substantial drop in the market, how that's going to impact them long term. I think if people are listening to this, and they just look at the last year's history and their 401k statements or IRA statements, they'll see the end packed of volatility. And we can see that that March, April May period of time where people took humongous and substantial losses, in most down markets like that would have taken years to recover from and that the scary thing about that is that when the market crashes or corrects like that, most of the time, it does take years, and most of us don't have the years to give. So we've gotten almost a shot across the bow with this, or for people who are close to retirement in that, boy, there was a big drop in the market, but it came back quick. That's very lucky. It doesn't happen very often. It's pretty rare that a market does bounce back that quickly. So for those people who are in that group, saying, How do I miss that the next time, because I'll be retired, and I'll be taking money out of my account, at which point, a market drop hurts substantially more for taking money out of our retirement accounts, we take out 5% Out of our retirement count in a year for income, and the market drops 15%. Additionally, that's a 20% total loss, the market has to earn 40% In the next year, just to get back to where it was. So when we're starting to take market money out of our accounts, and there's a market drop, it's a huge impact. Very, very important for people who are preparing to retire or retire to understand how those drops will impact them, and to start to create a plan to minimize the impact of volatility inside their retirement plans.