 and here's the game plan that he's got i would use my 401k money between age 59 and a half to 70 and then beyond thanks advance for your comments or your suggestions on these retirement strategies you know what first of all if you want to cut back i think that's fine i would basically not put any more money in your retirement account you got plenty in there frankly if you have 1.6 million let's call it 1.3 million that is traditional we do not need to add to that