 perfectly our last caller we did not tell dave what to say he just happened to fit what we discovered very closely we talked to some 25 year old millionaires we talked to some 85 year old millionaires but the typical profile we talked to falls in that late 40s early 50s range and by the way if you're a millionaire by then you're going to be worth 10 million when you die so that's how that works just to help you with the math this is a baby steps theme hour