. >> j.j., here with insider tips, nick strobelt of ashton strobelt. joins us every week to educate us on matters of finance and retirement. good morning. >> hello. >> you are solo. we're used to you with your partner in crime, abe. >> you have to call me the retirement brother. >> yes, retirement bro. >> that's right. >> i like that. so no matter how much money we might have saved, it's always concern of running out in retirement, right? >> uh-huh. >> how do you deal with that? >> it's hard. we don't know how long we're going to live. the average age if you make it to 65, women live to 84. men can live to 86 as the average. that's the average of the we don't know if it's going to be less or 96 or 94, so we have to plan for a very long time, having income. >> you're planning for something you're not sure how it's going to play out. >> when it's going to start, when it's going to end. there is health care problems that they require more income? what if there's a death of a spouse, or you have a pension and suddenly that pension goes away. what's your co