 Great things that you can download at your fingertips about taxes and tax strategies in retirement. We thank you so much for joining us. This is Retire Right Radio with Mike Stevens of Capital Wealth. I'm Luann Fulmer. Now, all right. I want to start talking about converting to a Roth IRA. All right. So we pay the taxes at the time of conversion. All right. How do you talk to people about strategies like this?