 But I've never seen a situation where it made sense to sell qualified assets, pay the tax, and then apply it to a mortgage. I bet you've done the math, yeah, at least 100 times. And you get the same answer, right? The same answer every time. Always, yes. Another really good one. This person writes in and asks, I've been hearing a lot about Roth IRAs. I'm wondering if I should do a traditional IRA or a Roth IRA.