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Patrick is in Ohio hi Patrick welcome to the Dave Ramsey show good afternoon Dave how you doing this afternoon better than I deserve whats up in your world I think they ask you a two-fold question Ive uh Ive worked at 3:43 on companies and they did have 401ks but none of them had a match and the people Ive been in the one Ive been and I was in one for a little bit and I got out of it I didnt think it was doing real real well and some other co-workers said the same thing and they drop theirs and I was just wondering if if its always a good thing to be in a company 401k that maybe doesnt matter you dont feel that the performance is good and my second question is is governments always in our business but what what happens if the government offered some type of of retirement where we were able to put something in tax-free attached the bird and we had a guaranteed 4% I know thats not you know a six to a 12% that maybe after a historical return of you know over years but it always
