Sunday night thought. This is James Mayer. Here's what I'm thinking. Retirement is mostly about cash flow, how much you have coming in, how much you have going out. One of the topics that I've been challenged with recently is helping clients figure out what to do about their health insurance. Now, retiring before 65 brings up a whole different world of challenges versus just being Medicare eligible. Finding strategies and working with people that can help your clients find a good plan for their health insurance is so important.

The money we don't have to spend on health insurance, you can spend on anything else. You can spend it on vacations, you can spend it on gifts. You can spend it on, uh, your kids or grandkids or anything else in the world. You could save it. But if you don't have a good strategy for that and you have it built that into your retirement plan, it can be a big challenge. So thought this Sunday evening is make sure that your healthcare plan is in place when you're working your way to retirement. Have a great week.

Thank you very much.