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okay so if you have a 401k or a pension and or some other similar type of retirement account most people know that that you cant take that account and give a portion of that to another person without incurring taxes and penalties and things like that so if you lets say you have $100,000 401k through your employer you cant just take fifty thousand of that and give it to your to your kid and and walk away where you each you know you each have the money and you dont have to pay taxes and things like that you also cant transfer your 401k or pension or whatever to a trust you know these are just some of the basic concepts of those types of retirement accounts so in the divorce context that can be problematic because lets say two people have been married for thirty years and their main asset lets say that the lets say that for example the wife was a home maker she stayed home raised the kids and then lets say that the husband spent his career working at Boeing and lets say he has