text:  even if we're starting doing planning for someone in their 30s or 40s, we're going to build a base retirement plan just to see, okay, what's our course? What's our, you know, what's our direction? But by the time you reach age 50, you want to sort of start calibrating that in. There's, you know, talk about the approach. There's five factors that determine are you on track for retirement? These are five decisions that you make, but it's a lot of lifestyle choices, but they really are decisions. And the big idea is