 then you could stretch the taxes over your lifetime, which means that your spouse passes away, you inherit their IRA, and you're going to have to pay a little bit. I shouldn't say a little bit. Tax rates could go up. I'm going to actually reverse that and say you need to pay taxes from the day you inherit it for the rest of your life. So you're stretching it. Okay. But so the Secure Act 2.0 got rid of the stretch IRA for non spouses. So what does that mean? I have an IRA. I pass away first.