 And with the current Secure Act 2.0 getting rid of the stretch IRA, that means they're going to have to take out more of that tax deferred money faster and at an unknown, possibly higher tax rate in the future. And so here's the thing. He is absolutely right. You shouldn't just put blinders on and go full tilt one way or the other. There should be diversification. And if you're not sure if you're properly diversified from a tax standpoint,