matthew holbrook is the financial planning expert with country financial. he is here with how to pull money out of your investments and wh social security to go along with it. great to see you. >> good to see you too. >> think so much of the focus is on saving money, putting money in the right investments for retirement that's where all of our thoughts are and all of our focus is on that money we're going to put away. >> and a lot of people come in how much money do i need to put away to get to this number? while that is important you are going to put away the money you can afford and what you budget for so that happens along the way. retirement area it's how do i pull that money out. when the market is down are you going to want to pull out those investments probably not? >> we're going to separate the accumulation phase and the distribution phase. >> this is what are you doing when have you 25 years getting up to retirement putting money away. the left hand column you are having the bad years fast then you get to the good years at >> okay. >> the right ha