This is CBSI in the world. I'm John Batsuit.

Gene Marks, the small business columnist for the Guardian newspaper UK and US edition.

He's in Philadelphia. Well right now. He's between Philadelphia and New Jersey.

Gene and I are Philadelphia kids, so down shore is what you do in summertime.

However, we're going to reflect upon opportunities for all small businesses,

whether you're enjoying yourself in New Jersey or elsewhere.

And this is legislation that is harder to understand what we have here.

And Gene published this column. I mean, this column was published in the Daily Herald.

There are opportunities that Congress has created that are very difficult to penetrate.

At first, what are your recommendations here, Gene, about retirement legislation?

So I just want, you know, you're running a business. You're trying to find good employees.

You're trying to retain good employees. The government passed the bill at the end of 2022,

which can really help you do that. It's called Secure 2.0.

It is retirement legislation. There are a lot of different features in it,

so I'm not going to go through all of them. But let me just give you just a couple of highlights, John,

that I think should be of real interest to anyone that runs a business.

For example, if you own a business and you have less than 50 employees and you start up a 401k retirement plan,

not only will the government give you tax credits to pay for those costs,

but if you match your employees' contributions up to a $1,000,

the government will give you tax credits for that as well,

which basically means that an employee can contribute $1,000 to your 401k plan.

You match it up to $1,000. The government gives you a tax credit back for your $1,000,

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