 that these withdrawals can really have on your taxes. When they're thinking about, you know, here's how much taxes you should take out on my 401k, I'm in the 22% tax bracket, so I'll take out 22% for the Fed, 7% for the state, and I'll be done with it. They're not thinking about the impact that that money they're taking out of their 401k has on their social security. They might not have been paying tax on any of their social security. So then all of a sudden, I'm taking out 50 grand from my 401k, it's triggering my social security to become taxable,