 ramifications to things like medicare part b if your income's too high there's a lot that goes into it so i can you know i do think it's a significant issue they also mentioned tax implications of withdrawing from their 401k well when you um so the money that's in a 401k is 100 taxable so you know you'll hear conversations where people say things like oh well you know i'll make your money tax-free in retirement that that's misleading at best in the sense that