 That sounds like great advice, Curve. Well, it's time for a quick break, but keep it tuned right here. I promise you'll be glad you did because when we come back, Curve and I are going to share one last way to create tax-efficient income in retirement and help you do that. So this tip could make an impact on your financial future. So keep it tuned right here. You've been listening to us on AM 1290 and 95.7, Dayton's News and Talk, WHIO. It's our Ask the Expert weekend.