 That's what I was afraid of. I thought maybe there was a magic bullet somewhere. If there is, I don't know it. I'm 63, and I've systematically moved 100% of my stuff to Roth over the past decade for that reason, because I knew I was going to have RMD coming down my throat, and I knew from an estate planning standpoint I'm likely to never touch any of it. You probably will never touch the vast majority of this. It's going to your heirs.