 For free, we'll tell you who the trusted agents are. Alex is with us in Miami. Hi, Alex. Welcome to the Ramsey Show. Hi, Dave. How are you? Better than I deserve. What's up? So my parents are in their late 60s. I just found out they only have $200,000 saved for retirement. I'm just wondering how I can help them this late in the game. Okay. Are they willing to accept your help? No.