 are going back up. Not just wealthy Americans, most Americans. If you look at the tax breaks, where they're at now and where they were back then, your tax rates are going up. Come out to my seminar, I'll show you. Let's talk about a simple tax move. So converting an IRA to a Roth IRA. Sounds great, right? You got a half a million dollars in an IRA. You decide you want to convert $100,000 until your CPA tells you that if you do it all this year, it's going to cost you 25% in taxes.