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[Music] good day Im Rob Tatro from rob teacher calm today were answering the age-old question can I take money out of my lira or my LIF a lira is a locked-in retirement account a LIF is a life income fund so those two accounts are generally accounts that are generated after you retire from a work or you you cease to work somewhere they will generally offer you your pension in the form of dollars so you would transfer that money out and it will become if youre still working it will generally become a locked-in retirement account so lets say youre a 35 year old and you just left employment after 10 years and you had accumulated a pension over there of 50 grand that will become whats called a lira a locked-in retirement account now when you get to the point where you want to unlock that and you want to retire youll generally convert it to a lift a life income fund now once you have that life Income Fund generally its there and youre gonna take it out in small chunks over time th