. >> good planning 401k and roll them over into a back dorman roth and start a new roth and not get hitith the tax bill. okay, more goodies and tax goodies. >> more goodies. top of the show talking about asset allocation and 60/40 portfolio and other thing not talking about as much is as lett location. if you have taxable bonds in your traditional brokerage account and move those into your tax advantaged accounts. seems like a minor step to make but look over years and decades, this could be thousands, tens of thousands in taxes you'll not be paying. jack: quick car tip before going to car guy. >> on that, pay attention when it comes to evs. if looking to buy elect trick vehicles there's new -- electric vehicles, there's new tax credits in 2023 but do your research. jack: supply and demand. supply plummeted, jack, scary to go on a car lot in covid. is it coming back? >> slowly. we have a used car index and prices are coming down just a bit and price of used cars shot up more than 50% during the pandemic. they're starting to come down. if you're thinking about buying a car, wait; right.