 If there's going to be a change in your income from year one to year two, or if you just look at it this way, if you were in a tax bracket that you could pull out a sum of money and not push yourself out of that tax bracket this year and buy something with that money, then next year wait and pull out another amount you could pull out without running up your taxes, great. Then that would probably be a good thing to do. It's timing. I'm not an expert at it because I really don't care because I don't have any money in IRAs, 401ks. I got out of all that...