 It's not that you're not paying taxes, but let's just make sure you're not paying more than your fair share, right? Don't pay more in tax than you have to, which then gets into the income planning part of it. People generally have money in different places. So maybe it's an IRA or a 401k or whatever your retirement plan is at work. But then also what about individual accounts? What about joint accounts? What about savings at the bank?