 But when the government giveth, the government also taketh away. And whenever you put money into your 401k, your IRA, these other type of savings vehicles, they allow that money to grow on a tax-deferred basis. But at some point in time, somebody has to pay the taxes. And if you're lucky, one of the lucky ones, and you have Social Security and a pension, maybe you don't even need these funds. Maybe these are funds that you've accumulated that you're hoping to leave to the next generation.