 And now you have a bucket of money that's tax-free, and you've got a bucket, let's say it's in an IRA, 401K, whatever, that's taxable. Can you decide then how much to access from each bucket within reason? And the answer is yes, you can, which means you can determine or dictate how much tax you're going to incur. You could keep yourself in a lower bracket, for example, if you took a portion of your monies from the tax-free bucket.