People are living longer today than ever before, but you want to have the same lifestyle that you had throughout your working years.  Part of that is having a good attitude, going in and getting your plan put in place.  Today, Victor and Steve talk about retirement income, because you can't really have a retirement without income.  All of a sudden those paychecks are gone, so you've got to replace that with something and Victor explains how to receive income in retirement.