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todays video is about retirement plans so there are two major bills that are going to make big changes to retirement plans so were talking about 401ks 403 Bs IRAs Etc and these two new bills theyre expected to be voted on after the midterm elections so I want you to be up to dates on whats going on and lets Jump Right In lets start with this one so the first bill is the retirement savings modernization Act so you know how in your 401k you can only invest in boring things and relatively speaking like stocks bonds mutual funds Etc I mean thats probably a good thing for most people because obviously those types of Investments theyre relatively more stable safer correct well check this out this bill is going to allow 401ks to offer more investing opportunities to expand the types of Investments that youre allowed to invest in this includes Commodities additional debt instruments cryptocurrencies you can give your money to hedge funds infrastructure insured products and annuities