roth i.r.a., so it's governed by the same federal regulations that governs any other roth i.r.a. in the marketplace. again, the key feature, it has automatic enrollment, so that means if employees, after receiving the employee information packet don't opt out within 30 days, then, their employer will begin facilitating payroll contributions on their behalf, so that's really key, and that's a very powerful nudge, so that's based on kind of what we know from the best of behavioral economics that people may not always do -- take action on things that are best for them, they just need a little nudge. so that's what that action is based on, but it's completely voluntarily. it's portable, from job to job, so we have gig workers and modern contemperary workers that we thought of they can feed all streams of income into the same account, and there is zero cost to the state or taxpayers. by statute, we have to be completely sustained by the fees, so we have to keep our fees low. it is a public private par

i.r.a. if you want, if it's a roth kind of requirement account, a roth i.r.a. all these things are great.ccounts. people are paying fees for these different accounts. you push it all into one account you may get fewer fees to get all you want out of your bank. >> what about consolidating. people are worried about throwing something later because they are worried they may need it later. >> fire up your shredder. we want you to get rid of old stuff. here's the problem. for the irs, they'll usually audiwi three years, but they have up to six years if you have a big error. so keep the tax documents for six years. hopefully you have them electronically. >> that doesn't sound like spring cleaning. >> if you get audited, you'll be happy. investment accounts for a year. credit card accounts, utility bills, unless you need them for tax purposes, shred them, get rid of them, pay electronically. >>> coming up -- how music by drake and lady gaga is part of a lawsuit against an exercise bike maker peloton. you're watching "cbs this morning." >> announcer: this morning's "eye on money" sponsored by td