text:  40,000 40,000 barrier so so what do we do now because people think well now it's easy because my 401k my TSP is is up hey put this plan together for me what does that actually mean for our 401ks you know now that you've been you've been putting money into these plans all these years and you've been seeing it go up and go down now the Dow's at at you know an all-time high