text:  Not that we are gatekeepers to anyone's money, but I will say this. If you find yourself to be a spendthrift or if you're working on a tight budget, especially in retirement where you know you have certain bands to work with, and when we're doing retirement planning with clients, we're going to give you a range of saying, hey, here, based on your inputs, maybe it's a pension, maybe it's social security, maybe it's a rental property income.