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hey there folks Greg Shepard here sna Financial Services uh for those of you that dont know me I specialize in helping folks just like yourself over the country navigate basically get the most out of your higher ed retirement plan um so recently Ive been asked pretty good question so I thought Id bring it to the YouTube video clip Universe here is that uh Ive been speaking a lot about TI traditional given the fact that their interest rates are so high right now FYI new contributions going into that TI tradition on the RC contract youre looking at six and a quarter percent February 2023 right now ra contracts six percent gsra Gras anything group is gonna be less than that but nonetheless very attractive so you get a lot of questions a lot of attention surrounding TI credential in this environment wont last forever when those rates go down that when interest rate environment goes down subsides that TI traditional uh fixed rate will go down as well so the question is I think this pe