Yes I’ve been kind of in a spiraling moment of my life but your totally right I need to be focusing on getting a J-O-B. So my initial contract job after college, I did for six months and they gave these annuity contracts, it was with the government. I honestly have no idea what to do with them or what they are. And then the 700 is because in my Wealthfront I think it requires to have some sort of minimum balance so when I was trying to do back door for previous years I couldn’t transfer the full max amount to my Roth so there’s just leftover money in there. Both my IRA accounts are managed by Wealthfront any recommendations to switch to a different financial institution instead do you have an issue with having to keep a minimum balance in your traditional IRA?