 Another thing that you could key in on would be your pre-tax liability that you're going to have eventually in retirement. You're many years away, new tax code on the horizon, 15 years from now when you retire, that million dollar 401k, how is it going to be taxed? Are there some things that we could be doing now to go ahead and get you in a better position to where we minimize that future tax liability? These are among the things I'd want to discuss with you if you scheduled a meeting with one of our advisors.