 on their retirement plan by moving to an ira um retirement plans at work typically have limited investment options so they just give you uh basically a you know a menu of investment options and and you know some plans there might be 10 options some plans might have 100 but the reality is they it doesn't offer you all of the plans that are available and many of those plans will see target date funds which we've talked about on the show before cheryl which we're not a fan of