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[Music] all right were going to do today something I havent done in a while four common retirement problems and how you can solve them there and Im talking more on the retirement investing retirement planning um its a core portion of our business here and so we get to see a lot of people that you know despite advice go one way or you know we tend to push them another way there so lets just get down to it well make this a short one here today number one and these are not ranked in order of performance I was just thinking about these um willingly losing value to inflation and maybe youre trying to do something to fight off inflation there but you know a lot of the software programs they just kind of bake in two and a half percent inflation long-term inflation rates they dont account for years where well we have what we have now right is really really Troublesome and you might look at it and say well inflations peaking I might agree but inflations peaking and its going to star