 and so now we're on a better track for retirement and now we're able to save more that's that's one of them i mean don't spend so much you know some people need to get rid of debt some people just spend too much money or yeah yeah i mean my goodness it's easy to do with the credit cards now yeah and you know like i said we want to help clients and you know as an independent advisor we don't have anybody above us telling us what to do or what product we should talk about it's not about products it's about having a plan and