text:  Win is winning in retirement because you did all the work in the past. How you get there is just a process of saving and prioritizing financial decisions. We do believe it's never too late to improve your finances because you can make it better by a concentrated effort at all times. Right. Just make the next right choice, and we can help you with letting you know what that next right choice is. All right. When's the last time you said that to a client?