 card don'ts now we have a required minimum distributions of seventy two and a half on traditionals you have zero requirements on ron so i'm sitting here with a several hundred million dollar net worth and ten and a hundred million probably i don't know not quite in roth but guess who'll guess when i will take that money out for that roth i'm sixty three you know what i'm a pull the money out of that roth never because it can go to my next generation tax-free