text:  as well as all the platforms. Just search Elite Income Advisors, Retire Smart Maryland Radio, and you can find us. I'm Morgan Patrick, consumer advocate. We've been going over retirement misconceptions that are out there. You need to be aware of these. You need to stay away from these. The first one, how much you're going to spend and how fast you're going to spend it. There's a big misconception there when you get into retirement.