Our favorite cpa will show you new laws in 2020 that will absolutely affect your Retirement Savings plan. How you can take effect of those changes. We have that and much more on making money. Charles folks it is an understatement it has been a great year for investors. Nasdaq up more than 30 . Bond market, certain commodity the like gold blake showed you see gains. One years winners are not guaranteed to be next years winners. Where should investors look to be a prosperous 2020 . We have two of the very best. Danny hughes and david nelson. Thank you very much for closing out the year with us. Let me start with you, danny. It has been a remarkable year. We go in with fair amount of economic and stock market momentum but things will change during the course of 2020, right . I think so. Look at 2019 that was the story in 2019. We came in 2019 crying, hiding under our covers. Charles you should have seen what it took to get david out of the house. It was not fun. The fed flip drove a lot o