text:  I would say number one is very common, not understanding how quickly money will be eroded as we're taking withdrawals. I think that's number one. But by far, the most underplanned for is the tax piece of this. Most people who have done a great job saving money, which tends to be most of our clients, our clients tend to be a little bit more affluent than the national average. The thing that a lot of times people forget about is