text:  I mean, for 50 years old going into retirement, that would scare the crap out of me. You need like 250, right, moving on. And so I'm not trying to scare you. I don't want you to panic, but you do need to get with it, as you said, and you recognize that. That's why you called. So what I would do is this. The thing I have figured out is there's two things that we are afraid of.