 Before there were 401ks and IRAs and things like that, by the way. And it worked very, very successfully for many, many decades. Plus it had advantages of liquidity that IRAs and 401ks do not have because they have tax consequences. It has advantages tax-wise, of course, because tax-free is better than taxable or tax-deferred, right? I don't think anyone can argue that. Tax-free is the best. Grow your money tax-free. Access it tax-free.