 and maybe they've even got a match and that'll help uh... and you make enough plenty to load that 401k up and do a roth with fidelity and you may choose to move that fidelity with the smart vest or that roth to the smart vest or pro from fidelity or they may you may help you do it with fidelity i don't care doesn't matter to me fidelity's not bad there's nothing wrong with them all these mutual fund companies have good funds and not so good funds