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its brian preston the money guy these are this is advanced charitable giving so we weve talked about it earlier with 2020 is kind of unique is that theres a 300 that even those that dont itemize but there are some people youre in a higher income situation but youre also very charitably minded you might even tithe to your church and give 10 percent um but if you are in a higher giving situation we want to go over a few advanced strategies that you might want to consider yeah so one of them youve heard us talk about often is if you are someone whos practicing our hyper accumulation phase where not only do you have your tax deferred bucket where youre doing your 401ks and your iras and you have your tax-free bucket where youre doing your roths but then you also have this after-tax bucket if youve been doing it for a while and specifically if youve been doing it i dont know over the last decade the market has been pretty stinking strong theres a chance that you have a lot of