and abe ashton, they're here from ashton strobelt. >> welcome back gentlemen, how are you? >> doing well. >> great to see you, there's many choices when it comes to retirement accounts. what do you suggest? >> there's a lot of different options, people e-mail us, and say, where do we get started. the key is to get started on anything. it doesn't matter if we're talking about a roth 401. when we started, we had three kids and realized that college is expensive, and then decided to have three more, that way, we decided -- got six kids, sell three if needed. right? to fund college per the other three. we have a couple of options, family hunger games, whoever survives. but you have to start somewhere. we start putting in the 529 college education plan. you think that's not a difference, but it's been 15 years since we did that. and we moved up, we've added more as we go p and $20 a month don't add up to be anything, and 15 years later, the college funds have 20 to $30,000 each. the key is to start. >> you need a financial advisor to clear the mystery behind what is pretax, post