 Now, I know a lot of you have shared, which I've talked about, I'm writing about in a new book, these big box store brokerage, non-direction, the yo-yo plan, as I call it in this upcoming book, right? You're on your own to figure out this tax maze, even when you go to the person that's helped you, or maybe has helped you in the past with your retirement accounts, and they say, well, you know what, you need to go see a tax professional.