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its Brian Preston the money guy Dill also has a question he says is it limiting my opportunity if I choose to use Target date retirement funds and both my 401k and Roth IRA or should I look to mix it up uh mix up my investment strategy within those two accounts Bo I find it interesting when um you know because we we get to we get to kind of do a snapshot when people come see us or even friends and relatives and they send us account statements Im always amazed at how we can work against ourselves by outsmarting ourselves and well see people Ill Ill look at their portfolio and theyll be like hey I heard you you know I checked out your show I heard you like index you know you dont Target retirement funds so I decided to give them things a little whirl see what I thought but I was feeling you know I dont know that 20 40 fund that seemed good but I was like we you know theres a portion I probably need to be somewhat conservative with so about 20 in that 2025 fund too and its a mes