 For IRA withdrawals, Roth IRA withdrawals, and traditional 401k withdrawals. Well, what about your brokerage account? Well, again, you have to think of it from the standpoint of it is in a position where you could lose money due to market volatility. And all of us have to remember the silent killer. No, it's not taxes because that's not silent, right? It's inflation. Inflation is considered the silent killer, also referred to as the silent tax. It's always there. It's always creeping in.