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[Music] everybody my name is Nick with rich in the bowl Im here with my good friend rich Erlich were here for another episode trying to help you to think like the rich and sort out the bull so that you can make smart and sound financial decisions and when were not working on our tan we are here coming up with amazing episodes that help you out individually to make good sound decisions and today one of the ones that we want to talk about is the hidden risk inside every single one of your guyss retirements you know most people like to talk about sexy and exciting I do I want to hear about getting in this cool investment how I can earn a certain rate of return but this hidden risk is so important and nobodys talking about it but its something that needs to be addressed and that risk is the risk of a long-term health care concern as we get older you know 7 out of 10 Americans are going to have a debilitating long-term health care concern which basically means is theyre gonna need so