Embrace your passion for cycling with this eye-catching black t-shirt. The shirt features a unique graphic of a cyclist, accompanied by the witty text "YES I DO HAVE A RETIREMENT PLAN." Perfect for casual wear or a ride, this shirt is comfortable and stylish. Made from what appears to be soft, breathable cotton, this shirt will keep you cool while showing off your favorite hobby. It's an ideal gift for cycling enthusiasts who appreciate a touch of humor. This t-shirt is sure to spark conversations and turn heads wherever you go.