 Boom, your taxes went up because you paid tax on income and Social Security. It starts to roll up fast. Very quickly. And that's the thing. It's like some of your Social Security could not be taxable if you do this planning right. Or you could have a real nasty surprise when you turn 73, 75 to where you're used to not paying any tax. Absolutely. Take this huge withdrawal. And now it's like, wait, I have to pay tax on that now? What happened?