text:  and walk you through some high level understanding of where we can possibly save these things because as i said in the beginning we often view these things in a complex way because we haven't really grouped them all together you're thinking about well i could put it in an hsa or a 401k or a roth ira or non-deductible ira i could put it in an annuity i could put it in life insurance i could put it in a municipal bond but in reality all of these different things