 pay the taxes on it and put it into the Roth IRA, which is a 100% tax free account. Now, you've already paid the tax. As the money keeps growing, it's going to grow tax free. And when you pull the money out, it's also going to be tax free. And here's the other really cool thing. If you don't spend all of that Roth IRA money over your lifetime, whoever you leave that money to that inherits that will also inherit that money