 All right, Shane, well, you're ahead of the game, even knowing what a backdoor Roth conversion is. For listeners who aren't aware, you make an after-tax contribution to a non-deductible IRA, and then you immediately turn around and convert that to a Roth. The idea being that since you've already paid taxes on it, the conversion costs you nothing more, and you're able to basically take money that would be in a brokerage account, like in an after-tax account where you'd be forced to pay capital gains on the growth,