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hey youtube its matthew decker leveraged health management hope that youre doing well today im going to spend a little bit of time today going through one really simple concept and that is the flexibility in how you take your income last week we talked about you know the different ways of using your seven pay premium and how you can roll over unused funds and we did that because we got a lot of questions about it and this is a similar story get a lot of questions on the flexibility of your income payments and so i want to go through that here in a little bit of detail so were going to start with the exact same example that we looked at last week which is that 100 000 premium for 15 years and what most people see when they look at policies like this is youre paying premiums for a set amount of time 15 years and then you see some kind of level income projection 193 000 in this case starting in year 16 and going for the rest of your life so thats a pretty typical projection that we