Sunday night. Quick thought with James. Hope you're all doing well. Uh, one thing that I was thinking about recently is that I enjoy socializing. I like going to parties, I like going to fundraisers. I like going to special events. And usually at these events, um, someone's going to typically start asking me questions. You know, very specific questions. Uh, questions like, when can I retire? Or, how much money do you need to retire?

Or How long should I plan for my retirement assets to last? Am I going to be okay in retirement? Now, these are all great questions, and in this kind of social setting, I am unfortunately having to give the same answer. And the answer is simply, it depends. The reality is for me to answer any of these questions, the person asking the questions of me is going to have to answer a bunch of questions that I ask them. I don't know anything about this person, their situation, how much money they have, how much money they spend, how much longer they're going to work.

And for us to develop concrete answers about a person's given financial situation, we need to ask a lot of questions and we need to build a plan for their future. So while it's not fun and people don't, don't get excited about my response, it depends is the reality. So thought I'd share that have, have a great evening. Thank you.