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[Music] chris is with us cleveland ohio hi chris what's up hi dave thanks for taking my call i'll try to be as brief as possible um my question is my wife and i over the last two and a half years have really focused in on the steps and have been in the situation where now we financially were able to pay off the house last fall we have no credit card debt and it seems to me at this point where our income levels are she had recently gotten promoted about two years ago that now we're getting just absolutely at the end of the year crushed and having to write big checks for taxes and i guess my question is i mean is is potentially looking into an llc with some rental properties even something that should be on the table to even look at well an llc doesn't change the taxes at all you can own the rental property in your personal name yeah well tax wise it doesn't change the taxes one bit protection wise it's good to put rental property in there

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