 You know, let's just say you had a million dollars in your IRA. You don't want to leave that for if something happens to you and the kids, you know, you and your wife, then the kids inherit a million dollars and they have to draw that all out $100,000 at a time over 10 years, pay all the taxes on it. That might be 30 years from now when taxes are at 40, 50, 60%.