This black t-shirt features a fun graphic design, perfect for the laid-back retiree or soon-to-be. The shirt proudly proclaims "Yes, I do have a RETIREMENT PLAN I plan on surfing.", complemented by a silhouette of a surfer riding a wave. Made from what appears to be soft and comfortable cotton, it's ideal for casual wear, beach trips, or just lounging around. Show off your love for surfing and your retirement plans with this unique and humorous tee. It is sure to be a conversation starter!