 and um uh and she's 80 over so you're gonna have another 40 and i really wouldn't screw around with the roth ira at age 30 i just go ahead and cash it out you don't get uh it's not a hundred percent tax you're just taxed and penalized on that amount of growth only that's why i was asking you what you had in it and so the calculation is not as severe as it sounds um