### Comment:
If your clients are smart enough to hire u, they are top 10%. Most of my friends couldn’t tel the difference between a normal broker acc, 401k or Roth

### REPLY:
Agreed, but not knowing the difference between brokerage, 401k, and a Roth is not exclusive to young folks. I'd wager that around 45% of boomers have no fucking idea what the difference is between those.

### END.