 Maybe you're in the top tax bracket. Theoretically, you should be deferring in your 401k, but you know your situation and that your pay is actually going to go up significantly in the coming years from even your current high wages. And so maybe you eat the 37% and direct it to the Roth side of your 401k because you believe taxes are going to go up with over $33 trillion of national debt in the future and you know your income's going up. How should you spend your money? How should you save your money? How should you invest your money and give away your money?