 free bucket of income in retirement. I can just about guarantee that. I've never had anyone yet say, Roger, you know, this plan you designed for me, I've got way too much tax-free income. I wished I was paying more taxes. Never had that conversation. How about this one? I was hoping when I pass, my children would be burdened with a large tax bill to be paid to the IRS. Never heard that one either. Think of it like this. Spend all the money you've got, enjoy your retirement,