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all right welcome back to another episode of The Wealth building for dummies podcast my name is Kyle Demian Im here with renji Matthew and todays topic is that retirement is not an age but its more so a number were going to break down and talk about how one actually retires how retirement works and how we help people you know kind of plan that out and what that may look like for you to give you an idea of maybe how you can do it on your own to make sure that one day you can retire so renji if you want to get us started and take it away lets lets start talking about retirement yeah so uh something we we keep coming back to is taxes right so traditionally people put money into 401ks or IRAs which are classified as tax deferred accounts so the whole point that financial advisors make when uh they recommend people to put money into 401ks and IRAs is hey you get a tax break now but you defer taxes to later on when you have less expenses but what they might forget to tell you is right