 into a higher tax bracket. So, David, what can we do to keep more of our money and legally give less to the government? Well, first of all, we have to show people how to get off this government tax plan, and that's what most people tend to be in in that group. And what the government tax plan is, well, the government allowed you to start saving pre-tax dollars back in the mid-70s with your 401Ks and IRAs.