 The second one was contribute to a Roth 401k. And the last one was to leverage cash value insurance and or bonus annuities, which unfortunately I don't have time to go into, that allow you to not use your money, but to use other people's money to do that. Folks, just simply use the tax code. We can simplify all this for a lot of you. Just simplify your life by removing taxes, folks. You worked hard for your money. Imagine more financial success, less stress, less worry, less taxation.