 Dr. John Deloney, Ramsey Personality, is my co-host today. Today's question comes from James in Montana. James writes, you've done a wonderful job teaching about how to build wealth and what buckets to use in order to invest. I know match beats Roth and Roth beats traditional and traditional beats broker's accounts. My question is, what is the best way to do the reverse? Where do you pull from first for spending when you retire?