text:  But anyway, times they are changing. And honestly, your retirement is changing. And that's why we do our show every week. And we try to make it fun too. Exactly. Yep. Retirement is not the same as what it was for your grandparents. So, all right. I want to talk about unexpected costs that you've seen your retirees experience. Things that have caught them by surprise. One of them would be hidden housing costs. Okay.