 You minimize taxes while you are working. But now when you go to access it, you're going to have to pay those taxes at what could be a higher rate than you were able to avoid taxes during your working years. Now in retirement, you could actually be in a higher tax bracket. That's very real. Now, some people refer to something called a bucket withdrawal strategy, where you're actually pulling from three buckets. And I like that idea. So these would be three separate accounts that hold your assets. The three buckets would include your savings account,