 So this is one of the bigger misconceptions that people have when they come into our office. What they need to start looking at first before we start talking about taxes is how the account is actually titled. So is it a retirement account, meaning is it a Roth or is it an IRA, a 401k? Or is it a non-retirement account in which you pay the taxes as you go along or when you sell that particular asset? So that first is look at the tax classification.