 best thing for me yeah when i'm 60 some years old the money should not all be at risk yeah and then more tax advantage plans we have a lot of tax planning so looking ahead to protect your behind for the tax man we're not using these gimmick things they're called alert plan a lot of times life insurance retirement plan there's a lot of mistakes that are made there a lot of people are not happy after they do alert plan so if you've got an advisor trying to pump little 12 tax rates supposedly and he's offering you alert plan run don't don't walk run from the