text:  when this is mostly a permanent decision. So early 60s, start getting the education, but by 64, start having that conversation with your CFP and your health insurance expert. Mike Bernard, certified financial planner himself at Corhorn Financial Group and also host of The Wise Money Show. You'll hear it tomorrow morning, 9 o'clock, right here on MNC. Mike, you have a great weekend. We'll talk to you again next Friday for Financial Tip Friday.