 You know, so if you're one of those people that's out there that's listening and you're saying, you know, this is pretty hard for me to understand. I don't really get this stuff with taxes and retirement and tax brackets and all that. Well, welcome to the club. You know, that's why we do this show because we're a show built with your financial future in mind. And so let's talk about the way the tax accounts are set up. You know, right now there's basically three types of accounts.