text:  But anyway, times they are changing. And honestly, your retirement's changing. And that's why we do our show every week. And we try to make it fun too. Exactly. Yeah. Retirement is not the same as what it was for 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. So kind of want to get into that. Nearly 80% of people ages 65 and older own their own home.