 It doesn't mean you have to convert it all this year. You might want to do a Texas two-step, convert some of it this year and convert some of it next year before taxes go up. But you're running out of time. In 2026, unless Congress acts, unless President Trump gets elected, your tax rates are going up. Most of you haven't dealt with taxes at all for retirement planning. That's another conversation. What is your tax bracket going to be in retirement?