Elizabeth Ayoola

And I love what you said, James, about, yeah, I'm going to die.

Oh, my God.

But I love what you said, James, about you've worked so hard and you want to actually use the money that you've saved.

Right.

Versus penny pinching your whole retirement.

We've talked a lot about the 80% rule, and I feel like that's the one that circulates around a lot, but there's also the rule of 1,000.

Can you explain that to us, James?

And then James, which one would you say is better for who?

So if I had to choose between the 80% or the $1,000 rule, because we know money has a lot to do with psychology and values and personality types.

So which is better for whom?

I might have been steered also because I do not at the moment use a portfolio manager.

I just use these benchmarks and a calculator to determine how much I need to save for retirement.

And what you're saying, James, really resonates in terms of I love the idea of having different simulations and being able to see different outcomes based on all these different factors.

So I might need to book an appointment with a financial planner.

Yes.

We're here for you.

Something else to think about is how the experience and expectations of retirement are changing.

Now, according to a recent report from T. Rowe Price, 37% of U.S.

respondents expect to work part-time during retirement.

That is definitely not me.