 Welcome back to the Del Palmsley Radio Show. In the first segment, we were discussing an article that we're going over today called The Dark Side of Early Retirement, where some guy is just trying to convince you, sell you on the idea that early retirement is a bad idea. And we've already covered four points. I'm going to go back to number four and do a little work on it. Before I do, though, somebody sent me an email. I have to laugh. The guy sent me an email that says, I hate work! Exclamation mark.