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back um to understand it sometimes when you watch it back several times um yeah it might give you a better feel and understanding for it um basically what we did for dr seam is we gave him what we call a split dollar program and these these programs allow you to take the money that youre making within your practice if your practice is an s corp or a c corporate or whatever and allows you to pay the corporate taxes on money that you can use to build a tax-free retirement plan on instead of paying at the top 37 percent personal income rate you just pay the 21 business rate on that money and then you loan it to yourself to put into this plan so you buy life insurance you develop cash value that you can take out tax-free then you pay yourself back the loan which is really cool yeah and that loan that you pay yourself back is tax-free so im gonna chart it out for you so you get a better understanding of it and um so let me share my whiteboard here and uh im sorry i said it sounds good ye