 right one most important thing he goes of course this allowed me to still invest aggressively with my other money absolutely you're absolutely right if he was a client when we did this strategy if he could be more aggressive with the other stuff because he doesn't need it it's really his kids money in that sense yep and the people that have guaranteed income they're able to really enjoy their life thanks for writing in john i always like it when our listeners are smarter than me about finances that always makes me feel great thanks buddy