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which is how do you get your money out of TI creff after you retire alright that that will be a cornerstone of today's talk so accumulating money let's for the moment forget about the university match and by the way for the CMU folks that are here if you work for University of Pittsburgh and you put in eight percent the university puts in twelve percent so you get a hundred and fifty percent return on your investment on day one all right we're at CMU they basically put in eight percent and you can put in whatever you want but at the University of Pittsburgh you'd have to be crazy not to put in eight percent because if you put in eight percent they put in twelve percent so for the cost of eight percent you get a tax deduction and you get an effect twenty percent of your pay all right but so let's even assume that you're doing that and if you're don't if you're pit right now and you're not doing that you should just sign up tomorrow and there isn't one excuse in the world that you could


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