 don't know you're probably in the 22% tax bracket right now maybe even the 12% if you need money take money out of the IRA and let's see how things go when you get to 70 and a half you're still young and I understand people like pay the tax and his wife if he dropped dead right now he's screwed his wife's like in trouble so no don't do that and I'm very charitable but no I don't think so