It's time for a pop quiz on No Payne, No Gain, and we’re going to put Bob Payne on the spot by asking him some retirement questions. Will he ace the quiz with flying colors? Find out on this episode and pick up the retirement answers along the way. Check out the full show notes for this episode by clicking here. ----more----Today's rundown:0:31 – Let’s start with a multiple choice quiz.0:44 – Which of these is the best estimate for how much income you’ll need in retirement?2:20 – Which of these do retirees fear the most?3:33 – Which of these examples best represents a diversified retirement plan?  8:48 – Retirement planning isn’t what it used to be.10:05 – There’s a lot of uncertainty about Social Security.   10:26 – The onus is now on you to build a portfolio that generates income in retirement.   11:10 – The other issue is we’re all living longer.  12:24 – Interest rates are very low so cash is slowing you down.   15:39 – Financial Propaganda of the Week.15:58 – Bob found out stock indicators are neutral. Let’s explain this contrarian indication.19:09 – Ryan found some propaganda about cryptocurrencies.