 creative planning and uncle ed are going to take care of our charitable requests and we've got 10 going to our church because we really care about that and then the rest is going to be available to you guys uncle dan's going to work with you until you're 35 he's going to really help you make some decisions and then when you're 35 or 40 or 50 whatever that number is you really have the full control i want you to ask yourself something for a moment how do you grow in any area of life