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here [Music] its Eric with jazz wealth managers where we dont just invest your dough like to educate you on your dough everybody hates paying taxes so lets talk about some strategies that we work with for our clients with jazz wealth where were really trying to figure out how to not pay as much in taxes so lets go over to the Honda 90 board lets talk about this for a minute and talk about some different things that were seeing and things that you could potentially do now the first one is its one youve probably heard of the HSA its an account we really like but its not for everybody and the fact is is you have to have a high deductible insurance policy when it comes to your health care to have the HSA but if you have it theres a really cool trick with this because you can invest in the HSA put the money in there but then not actually use it for health care right this second as long as you have the HSA and you are a part of that and you used you used personal money during th