text:  understand they want to be financially independent. They're going to declare their independence day, and they want that as soon as possible. Some people, younger people in their 20s, they say, oh, I want to retire at 40, 45, 50. I say, oh, that's great. This is all the work you've got to do to get there. And there are certain ways of saving so you can use your money prior to 59 1⁄2. All part of planning.