 it's kind of sad in a way, right? Because you do the right thing for 30 or 40 years only to bear the penalty, so to speak, on the back end. And not only does it have the potential for increasing your tax bracket by taking that required minimum, but there's a domino effect, right? I talk about it in my book, Fiscal Health, Retirement Wealth. There's a domino effect because when you take that RMD out, not only does the tax bracket have the threat to go up, but your Medicare premiums