 Roth IRA, 100 percent tax free. So what we do is we look at the tax code and we say, well, you know, Mr. Mrs. Client, taxes actually are historically low right now. And have you ever considered shifting from tax infested to tax free dollars? Well, yeah, we've actually we've heard about this, but we don't really know if it if it's right for us. That right there is the key, because if someone just makes a blanket statement, Lewin, and they go,