 new savings um strategies in things that they can't tax you from that day forward grows without tax you pull it out without tax you can transfer without tax used by the wealthiest people in this country see the ultra wealthy they'll tell you that and i've studied the ultra wealthy now since i was gosh 30 years old right that's a long time two and a half two and a half decades and i wanted to see what they're doing they're doing a couple things as we as we wrap up number one