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youamp;#39;re retired or youamp;#39;re about retired and everything that you have is pre-tax what does that look like what could you possibly do different uh so letamp;#39;s take a look because Iamp;#39;ve talked to a lot of people and they say oh you know I wish I would have started that Roth earlier but they didnamp;#39;t and so now theyamp;#39;re in a situation just like this scenario that Iamp;#39;m going to show you this is retired Roger and so retired Roger is 55 years old heamp;#39;s wanting to retire a little bit early for most people and with that everything he has is over here heamp;#39;s got 1.5 heamp;#39;s done very well for himself itamp;#39;s all in as 401K all pre-tax the way Rogers invested heamp;#39;s 60 40 so 60 stocks 40 bonds is kind of the breakdown there and as far as his goals are heamp;#39;s going to live on five thousand dollars a month heamp;#39;s got Health Care 6145. Now Health Care is one that everybody who retires early starts to say well you