 So imagine this. We're not telling you not to pay tax. The word never pay tax again implies that we can find a way to pay tax once and not again. That's the Roth IRA and the Roth 401k, Roth TSP, all those ideas, getting it all to your future, taking this money and growing it. So you save this money. It's your money. You get to use it. So today we covered never pay tax again. So what we recommend is you pay tax now.