 Lester is here. Mike is the founder of Talon Wealth and the host of Guarding Your Nest Egg. Mike's ready to field a question about retirement. So here goes. Mike, a lot of people believe taxes will go down in retirement. True? Taxes aren't always lower in retirement. You have to be careful there. A lot of people have that assumption, which is the premise of setting money aside in a 401k or an IRA or some tax deferred account in the sense that