Let's move on to KCo's question.

Let's see.

It says, I chose a very conservative slash high fee option when I began investing in a 401k

decades ago.

How do I rebalance the portfolio?

I've never rebalanced.

I have a low earner and need money to have better gains.

So what do they do in this situation?

Can I tell a story and then you kind of get the attention.

I love braw and press the story time.

No, KCo.

I was on a school board for seven years, a larger school system in the state of Georgia.

And one of the things that horrified me when I entered that school board when I found

out about the retirement plans, we all know teachers get great pensions.

But they also have these strap on plans of the four or three b's.

And when I got there, you know, this is decades ago.

So things have changed.

I think even legislation has changed.

But I found out that there was some annuity companies that on purpose were convincing the

teachers, whatever they put in to make it as conservative as possible by putting it into

the guaranteed stable value funds.

And the reason was is because scared, you know, if you're in a stable value, they feel

...