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so you may have heard of it this drop or deferred retirement option program what is that and where did the money come from were going to talk about that in this [Music] video [Music] so some pension plans have started this really ingenious type of program called drop its stands for deferred retirement option program and what drop does is it lets you basically retire from the pension plan but not from your employer and so they say okay youve officially retired from the pension plan were going to start sending you your pension check but instead of going to you it goes to a trust fund one of the biggest problems that people have with drop is they go okay well theres all these public employees and theyre getting hundreds of thousands of dollars of drop money you know and wheres that money coming from you know am i paying for this as a taxpayer whos paying for this theyre paying themselves so if youre in drop youre actually paying yourself from your pension money your pension has