 That's what's going to be taxed at. Now, if you get the income low enough to where that money from the IRAs is taxed lower, that's great. What about the Roth accounts where there's no tax on that? What about the individual joint accounts or trust accounts? Well, we're talking about capital gains. Is that long term capital gains or is it short term capital gains? An efficient plan is going to be designed so that if you do pay capital gains, it's long term capital gains at a lower rate.