 Take advantage of the sale, folks. Secondly, setting up your surviving spouse for those of you that are married with much higher tax burden and a huge amount of inflation through higher taxation. How's that? It's called the widow tax penalty. You know, if you've got regular IRA and then you inherit more IRA from your spouse, and now you become a single tax filer from a joint tax filer, you're guaranteed for your taxes to go up, regardless of what Biden tells you that only those making 400,000 or more are going to see their taxes go up.