 It's going to create a tax obligation. And unfortunately, you can't control really what those laws say in terms of how much the government gets. But what you can do is maybe accidentally pay extra taxes because you took too much out. So be mindful that 401ks and other tax deferred retirement plans are not entirely yours. And it's probably, in my experience, one of the most common areas where people overlook some of the rules and laws going into retirement.