text:  is they're interrelated, meaning you can't make a decision in one area without it impacting another area. And this is self-obvious, but it's also, it's sort of hard to do. Even though it's simple, it's sort of hard to do. And so the first factor is what age do you want to be done? And so that is when do you want to retire, but also what's your life expectancy? So age is the first one. Second is how much are you going to spend in retirement? So this is where you're going to figure out Medicare, you're going to figure out inflation, you're going to figure out