<prompt> Human: Places like Schwab and Vanguard recommend picking a date close to being 65 years old. But Ive heard some folks, especially if theyre in their twenties, pick a date 10 years sooner than that. Is anyone doing this? And why? If you want a more aggressive balance, couldnt you always pick your own funds?  <response>: Picking a date 10 years sooner would be a more conservative mix. I suppose you would do this is you want income over growth. 