 Now, they're planning to retire in a few years, and their tax bracket will drop in roughly a half of that, state and federal. Well, would you rather take money out of your IRA when the taxes are about 30% or when they're closer to 15% or 16%? I mean, the answer is quite obvious, and they can take money out of it up to a certain point, up to a bracket. You know, you're in a certain tax bracket, and you've got room before you hit the next bracket, additional income.