text:  Because you don't want to be stressing about money in retirement. Retirement should be fun. It should be enjoyable. You should be doing all the things that you didn't have a chance to do. Having that Saturday every single day. So the foundation of this is really figuring out what your budget is going to be in retirement and what you want it to look like. And from there, we start building your income. And we figure out what those income sources are going to be. Social security, maybe a pension, retirement accounts that you have saved up. All those different things go into it.