text:  the psychology of money. And so, again, a lot of times people are thinking, well, have I crossed this off or done this or done that? But really, the question I ask a lot of people is, what does retirement look like? It's OK. Let me ask you that. What are you going to do in retirement? Are there things that's going to keep you busy, things that's going to keep you healthy, keep your mind active, keep you fulfilled?