text:  Okay, so definitely by age 50, sorry, John, or maybe like, there you go. I'm not sure, but by age 50, you want to start building that plan, building that forecast. For our clients, we start much earlier than that. Retirement planning is one of the six areas of your financial life. And so 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?