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Hey everyone, I'm Gene Chatsky.

Thanks so much for joining me today on her money. I'm so excited to

bring you another one of our live mailbags today where you jump on the phone with me and I get to

answer all your questions. It doesn't happen as often as I would like it to, which is just a call

out that if you've got a question and you want to spend a little time chit-chatting

with me one on one, please send us a note when you send your question into mailbag.

We will follow up and we'll try our very best to make it happen in short order.

And I'm especially excited for today's mailbag because we get into what I really

mean by the retirement benchmarks. I think many of you have heard me talk about the importance of trying

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