 And this is something that very few people I meet with have actually even had the discussion or considered. They really didn't think about the tax consequences. They just thought the tax was the tax and they were just going to have to deal with it. No, you have an option. You can control or mitigate and reduce the amount of taxes you have to pay on withdrawals on your accounts in the future. And to do that, though, you have to create a tax-free bucket option.