 It's one of these things. Life hits us. And so when life hits us as a financial planner, we do think about money and finances and trying to make this money last a lifetime. And we just don't want to give more money than we have to to anything like taxes. We want to do better with our money, keep that money. If it's you and your spouse or if it's just you by yourself, we need to make sure we pay the least amount of tax.