text:  And now you're taking the money out of your retirement account and you're spending as opposed to saving. Can you see like the whole emotional underlying currents that's happening in people's lives? Yeah. Yeah. And it doesn't get talked about. But I'll tell you what, when people come into the office, we do sit down with them. And for us, those are the fundamentals. And we say, let's make sure that emotionally you're ready. And then let's start putting the pieces of the puzzle together and help you understand that monetarily you're ready and you're really good.