yeah yeah how about that um okay so now uh if you're if if you're say you're five years from retirement or maybe you're 40 years old or 45 years old and you have company stock in your plan how should you be preparing for those eventual triggers and the lights flashing and going on and off.

Yeah.

So a couple of things there.

If my stock is highly appreciated, I have to at least recognize that NUA is an opportunity.

I have to recognize that NUA is a potential tax savings to me, even though it may not be for some time in the future.

But let's use this 45-year-old person as an example.

Let's say I'm 45 years old and I work for this company and I've got a great NUA opportunity and I leave my job.

So myth number one, is NUA always better than a traditional IRA rollover? So does it always make sense to do NUA, or sometimes does it make sense to just roll the funds over to an IRA? Yeah,