text:  Well, the number one fear most people have is running out of money. I mean, I hear all the time about the number one fear is really having to create a retirement plan. But really, number one fear is running out of money. And so you have to have a plan that says no matter what happens, if the market's up or down, if it goes sideways, if it's crazy, doesn't matter what happens, your income is safe and secure and reliable. Because once you have that, I'm telling you right now, retirement is smooth sailing. And that's what it should be.