text:  Hey Luann, I'll tell you what, sometimes people even say like my source of income is my retirement account. Let me paint a real picture for you. Let's go back to 2008. Stock market was down, you know, almost 50% at one point in the year, but the average was about negative 40, which is huge. So if you had a retirement account, let's just pretend that it was a million dollars. Okay. And this million dollars turned into $500,000. You might freak out. Yeah.