text:  I think this may be the first time we've ever used the term death spiral into retirement. I want to try to refocus here. Positive thoughts on the trek into bliss, which should be everybody's retirement out there. That's what I want to do today. Mike, get off negativity. I'll get off negativity. Let's go positive. Prashant, next misconception we need to be aware of. Believing that you can live off less in retirement than you did while you were actually getting that paycheck and working.