text:  I use that analogy of the puzzle all the time, and if you look at retirement as a puzzle, everybody is going to be different. Your pieces are going to be different shapes. It's unique to you. You need to make sure you've got all the pieces. They fit snugly together, so when you step back from the table, man, that's a good-looking retirement. So remember, we talk about these scenarios, but they're not directed at you.