text:  We don't want it to be no second times, right, Mike? We want you to retire one time and stay retired. It's a lot harder the second time. The do-over is not really what you want. Yeah, we don't want you to have to go back to work. All right, so we're talking today how there are some unknown costs in retirement. And, Mike, you're telling us that having that income strategy helps us navigate through these unknowns. Another unexpected expense for a lot of people is the fact that they're going to have to pay taxes on their retirement income. Oh, yeah.