text:  They have a gut feeling. It's not what they want, so probably don't want to touch it. I believe the opposite happens in that when we want to turn the car around, when we want to change our mindset, we need to know where we are so we can get rid of the things we need to get rid of and then move forward and head in the right direction for your retirement. Right. Every now and then that GPS says recalculating, and sooner or later you need to listen to it.