 A couple years ago, we had incredible inflation, and I know we could talk about that ad nauseum, but you need to have a plan for all those things. We need to have a plan for how are we going to distribute this 401k, these IRAs, how are we going to distribute them tax efficiently? I mean, it's insane to lose 30% to 40% to the market, but it's even dumber to lose 30% to 40% to taxes when you actually contribute.