 you're back it's Jill on money let's take an email this is from Smitty hey Jill love your podcast I'm 55 and a half and I'm considering retiring early maybe next year at age 56 my question is should I cut back on my 401k contributions now I have always maxed out every year plus the catch-up contribution by the way for this year gang 23,000 plus 7,500 that's your those your numbers for the 401ks