 Yeah, I mean, while these approaches can be straightforward, it might inadvertently set the stage for a significant tax burden on both the owner and their heirs. So let's talk about a few things. RMDs, which are the required minimum distributions, meaning that that's when the government says, hey, you know what? You've deferred taking your taxes too long. Time to time to pay your taxes. So you're thinking, I don't want to take money out of my account, pay taxes and they go up too bad. So sad. You're going to have to do it.