 So if your only source of income is coming from a 401k that is all pre-tax, that means that every check you get, Uncle Sam's gonna have their handout. They're gonna want a piece of that. Now, if we have some money coming from a tax-free source, like a municipal bond or a Roth IRA or life insurance proceeds or whatever it may be, now you've got multiple streams of income and you're not necessarily paying taxes on all of them, which all that means is you're gonna net more