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The Fear of Social Security and Pensions
I think a lot of people dismiss this what they would categorize as fear mongering thinking that these things are going to evaporate overnight see social security hasn't gone anywhere or in the case of a firefighter see the pensions are still paying out. It's very likely in my mind that you're going to get paid out something remotely close to the numbers that you're expecting but the buying power of those numbers is going to be significantly diminished. Josh we are currently living through the first several years of us watching retirees lose tremendous buying power and not even notice it some of the guys that were here when I started and I've only been on seven years ago that have retired are buying far less