 Folks, I've often said the 401K, IRAs, 403Bs, thrift savings plans, all those things are wonderful savings tools. They are absolutely the worst planning tool a saver could have. And regardless of how much you think you got in that plan, assuming it's a pre-tax account, you don't own all that money, folks. Uncle Sam has a big portion of it. And assuming these tax laws, when they expire in 2025, go higher or revert back to 2017, which is what they're supposed to do, taxes will go up.