 So having very important conversations with your advisor on a gut level about the tax issues is extremely important. You need to know what your current tax bracket is and what tax bracket you may be in in retirement. Because a lot of people think, well, you know, when I retire, we'll be in a lower tax bracket. And many times that does not happen. You know, most people don't realize that your Social Security can be taxed, which we'll get to in a few minutes.