 Life insurance is one of those things. Tom Hagen, one of my buddies, we've had him on. He's done many events with me. He says, buy the life insurance. Leave the life insurance for your family. Spend down the IRAs. Think about it. If you leave them a million dollars in life insurance, they get a million dollars. If you leave them a million dollars in an IRA, what do they get? I don't know.