text:  And from there, we start building your income. And we figure out what those income sources are going to be. Social security, maybe a pension, retirement accounts that you have saved up. All those different things go into it. And when we do this, we always make sure that we're very conservative on the rate of returns that you're going to get. Because if you get better than that, great. It just means you have more money in retirement. But we want to make sure that you're not close to running out of money based upon