 check out the compound and friends when they had my friend alicia levine on the show and she did a great analysis of why being in cash right now is really dangerous and again i i don't have a problem if you want to put a little bit of money to work over six or 12 months i think that has more to do with how you'll feel if we have a 20 pullback in that time period and how you would feel if not all of your money were invested but the market kept going higher