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itamp;#39;s like the reason why you want to have rock is is diversification from a tax perspective and you can control your taxes the role is the key component here uh see Iamp;#39;m from Los Angeles a little neighbor of Joe at Ventura hi Joe now discovered your podcast I mean itamp;#39;s taught me so much okay I would like to get both of your opinion on the hypothetical outcome of a Bill headed to Senate which will move the age of rmds back to age 75 starting in 2033 Iamp;#39;m 45 years old Sam youamp;#39;re 45 years old and youamp;#39;re thinking about rmds never too early to prepare 30 years ago you know Iamp;#39;m really Iamp;#39;m really worried about this Iamp;#39;m keeping my eye on this bill heading to the Internet itamp;#39;s a good point Iamp;#39;m 45 years on I currently have 120 000 in my rough and 400 000 of my tax deferred account if this bill passes will this be a game changer for those like me retired after this time if I donamp;#39;t have until age