text:  If we run that analysis and we do see things tail off sooner rather than later, which causes some concerns for us, then we can come back and say, okay, we need to change this. We need to adjust that. Maybe we have to push off retirement a little bit. Maybe we need to be a little bit more aggressive in our saving or investing or paying down debt. So that's usually the first step. But on the flip side, we actually have seen a lot of cases where people are good savers and good investors where their graph actually goes up in retirement, meaning they've got more income coming in than going out.