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Randy from Texas writes in about deferred compensation programs and questions regarding them before o.9 is in particularly and heres his question hey Josh love the channel just turning 55 and have a pretty high salary with a bonus happy 409a deferred compensation plan with employment separation it pays out a lump sum or over a five to ten year payout currently have a pretty docHub amount of money in this deferred account can you do a video or have you done one on 401 a in a retirement strategy a 498a retirement strategy absolutely Randy yeah yeah Randy this is a challenge deferred compensation is a challenge so lets talk about how these work first and foremost so these are non-qualified deferred comp plans as I cant make this bigger Im telling you a lot of people think its is to cast me out Im just telling Im not saying its not if your company offers it in lieu of taking income when youre making good money that might be beneficial but Im telling us be careful so a not a