 one side is the traditional 401k which is mainly the ones that most people know about yeah most people have the traditional 401k and if you've heard my ads run the the traditional 401k is an iou to the irs that's exactly what it is um that by the time you retire you know you see 800 000 million dollars in this 401k um that traditional 401k i don't know 20 25 30 percent of that's going to be the government so all that money is not yours um which is an issue