Will he or won't he?

Despite Michael Phelps repeatedly insisting that the Rio Olympics were his last, chatter still abounds that the most decorated Olympian of all time will give it one more shot at the 2020 Tokyo Games.

Now-infamous teammate Ryan Lochte went as far as to guarantee that Phelps will be in the pool in Tokyo, and many others have suggested the same.

So how about we go to the source? What about the woman who presumably knows him better than anybody else on the planet?

Even she's not sure.

Phelps' fiancee Nicole Johnson, who is also the mother of their son, Boomer, was recently interviewed by Cosmopolitan.

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Michael Phelps' fiancee Nicole Johnson offered an interesting take on her husband's retirement. Getty Images

When asked about his retirement she started off in alignment with Phelps, but then gave a compelling reason why he might not retire quite yet.

"I don't see him coming back because he went out exactly how he wanted to go out, and he's happy, and he did what he wanted to do. He wasn't forced into it. From that standpoint, I don't see him going back. Then again, you never know. Maybe he misses it so much and maybe Boomer convinces him that he has to go back so Boomer can remember it."

So there you have it. Fatherhood could cause the 28-time Olympic medalist to come back and add to his legacy.

Johnson went on to mention that if the couple has another child by 2020, Phelps might want to swim in the Olympics so that he or she can be a part of it.

Phelps retired after the 2012 London Games only to return to spectacular form, winning six medals (five gold) in Rio de Janeiro. The fact that he was still so successful has helped fuel the belief that he'll be back in 2020.

There's a long way to go, but Johnson's comments don't exactly exude confidence that her husband is done with Olympic swimming.