text:  variables play into whether you're on track to retire. So by the time you turn age 50 or in your 50s, you want to at least build that out to say, yeah, I think I want to retire at 65 or whatever. Spend, oh, five grand a month. Draw social security right away. We've got this much saved up. Here's how much investment risk. And just see, just see. Once you have those five factors, we then stress test it through a variety of different economic events to say, well, do you have a competent retirement? Will this work?