 um getting a lot worse in the next couple months the fed will cut rates probably two times this year so if you have money in a money market fund right now a lot of people do it five percent you might want to think about extending it you know to a year two years because if rates go down to three or three and a half you're going to lose a lot of income you can probably get four and a half and two year treasuries that's the one thing you can do to preserve some of your income because uh