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all right folks lets start off with something just a little bit funny uh May notice this ear is a little bit bigger than this ear a little more red it got about 50 percent bigger yesterday when I was stung by a wasp outside my family has been laughing about this for 24 hours they said dad youre not gonna make any videos today so uh yes I am so uh hopefully youll get a chuckle out of that so hey youve got the spreadsheets on your retirement you got the you know your expenses you found a medical plan insurance you pass the four percent rule you you stress tested for high returns low returns High inflation everything seems to work in your plan congratulations it solves are you ready for retirement thats a question okay think youre ready to retire with those things all solved my name is Joe Ive been retired for four and a half years now I retired at the age of 54. I learned some of these lessons myself uh and Im sharing them with you so you dont have to learn the way I did by maki