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rich has a question next.

I am doing the glide path myself and was researching the bond funds is,

researching the bond funds.

Is it as simple as purchasing taxable ones in Roth accounts and the non-taxable

and the non-Roth accounts. Also, love the new

studio. Thanks, Rich. So this is something that a lot of people might find surprising. The fixed

income, bonds, another word for bonds or fixed income, the fixed income marketplace is wildly

more complicated than the equity marketplace. And for those of you

who are not familiar finances, you'll think that's a hot take. It is, in fact, not a hot take

at all. Because bonds are complicated. And there is a lot that goes into the fixed income side

of the equation. So just want to kind of start there. A lot of

think, oh, bonds, because they are more conservative, because they're lower risk, they must be

a lot more simple. That's not the case. And so when it comes to thinking about, okay, well, I'm

trying to figure out how do I do a fixed income allocation, it gets really, really difficult. I mean, you just

mentioned two pieces of it, right? So do I buy taxable bonds or do I buy non-taxable or like

municipal bonds? Well, that is a piece of it, but then you want to talk about what type of bonds

am I buying? Am I buying corporate bonds? I'm buying government bonds? I'm buying agency bonds.

How far out on the yield curve? Do I want

to go with my fixed income? We don't want the credit quality of my fixed income to be? Do I want

them to be callable bonds, non-callable bonds? I want them to be convertible bonds. There is all kinds of

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