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Let me make your own retirement as simple as I can. The ultimate success of your retirement is going to depend on your answer to these 2 questions. And I'm not going to ask how big your 401k is. Do you have a big investment account or do you have a fancy house? No, because the success of your retirement is not about your assets. It is not about your assets. Now this is a paradigm shift because we've been taught that the success of our retirement is gonna be how big we can build that pile of money. And the bigger the pile of money, the better our retirement. That's not true. Your assets can be lost, they can be stolen, they can be swindled, they can be sued, they can be divorced, they can be decimated in a market crash. In fact if you think about it, your assets are simply numbers on a piece of paper. Think about it, and for the rest of your life those numbers on the piece of paper are only ever gonna do 2 things for you. You are either gonna spend that money or you're gonna give that money. That's it. You're either going to spend it or you're going to give it. You're either going to give it when you're alive or you're going to give it when you die. So when you really study the math and science behind retirement it comes down to this. What is the most efficient way for me to get the most money income that I can spend and spend and spend and spend and spend and spend and spend and never run out, and what's the most efficient way for me to give money to others? And what you're going to find is the most efficient way to get the most money income that you can spend and spend and spend and spend and spend and spend and never run out is going to be some form of an annuity. And the most efficient way to give money to others is going to be some form of life insurance. So the ultimate success your retirement