 right that they're going to pass it on and they are doing it because they're wise they're smart they get it they understand what the problem is they put it in an account that is an iou to the irs and so if you it really is a marathon isn't it it is not a sprint it really is a marathon no and anybody that thinks you know look the biggest problem that i've seen is people retire early at 60 to 62 and they got this massive ira and they think they're set again you know i say massive