 irrevocably give up the key you can't keep the key right and there's obviously no key and there's more to it than this but in essence that's what we're doing we're irrevocably giving the key who can we give the key to anybody we want but it cannot be me and it cannot be my spouse but it could be anybody else typically it's an adult child or other trusted family member we give the key to them that's when the five-year clock starts ticking and from that point forward as long as we get five years down the road we're okay so best time to do it now