text:  When can I retire in such a way that I have the quality of lifestyle that I want to end up having, right? So this thought of you won't work past 65 is a little bit of a myth because it all depends on your individual situation, right? And so with that being the case, Mike, why don't you talk to the audience here a little bit about kind of what goes into that decision? Like how do we help people figure out when the right time to actually retire is? What does it depend on?