text:  And here's what I want to add to that, Michael and Ryan, is that the fact is that people do worry about the Dow and the markets going up and down and how it's going to impact them. But the reality is you have no control whatsoever about market fluctuations. Now, you can control how much risk exposure you want to have. You can choose whether the income that you're going to receive during your retirement is exposed to the whims of the market, right? So you can choose to take that risk off the table or you can choose to leave it there.