text:  So a lot of times people have done such a fantastic job, Kay, saving for 10, 20, 30, 40 years. And then what happens is, is all of a sudden they have to flip that switch. And on past shows, we've had Morgan Housel come on on the show. And anyone that wants to hear any of those past episodes, you can check us out on Apple or Spotify podcast, just search Retire Right Radio.