Kate Phelan

But you also have to zoom out and look at life is expensive right now.

So if you are a young person in your career, chances are good you might have young kids.

You might have other expenses associated with that time in your life.

And so you have to think about how do I make choices that are going to be good for me right now without losing sight of I do someday want to retire.

If you're in your 30s right now, retirement might feel like it is a long ways off, right?

But you still have to make some of those choices about how am I going to prepare for it?

Especially to Scott's point, I think that we're going to see people who are retired for much longer than they used to be because of the longevity that we're seeing.

That means you have to make different choices.

skip ahead if you're in your 50s or your 60s right now and retirement is really something that you're like, hey, that's going to happen really soon, then are you doing things like making the catch-up contributions to your 401k?

And then beyond that, Scott and I like to talk about not just

What does this look like for you financially?

But what does it look like for you emotionally?

Do you want to travel?

Do you want to start a new hobby?

Do you want to adventure some other way?

What does that look like?

What's that going to cost?

What does that take?

And then bear in mind that that probably is going to look different, right?

When you retire,