 This is the most incredible thing because it is the only account, I've read that it's the only account in the IRS tax code where the money goes in tax-free. So you don't pay taxes on the money you put in. It doesn't count toward your income, so it's not taxed when you put it in. So it's pre-tax money. You don't pay taxes on that money, and it comes out tax-free, and it grows tax-free.