text:  I think to your point too, Prashant, that 65 magical number, that was just tied back to the Social Security age. At that point, everybody tied Social Security, and that's when I was going to retire. That's where that magical number came from, but that's really not the case anymore. Whenever you're looking to retire, the first thing that you have to do is really look at the money out. If you want to have that lifestyle that you've always wanted in retirement, you've worked so hard to achieve,