text:  You get a 1099 from them. And so some people forget about that and they just think, well, hey, if I can get a 10 to 15% return, that's not going to matter because I'm going to be happy to pay taxes on it. But you'd be surprised at what that looks like. Especially if you're in a non-qualified account and whoever's managing that account is continually turning that money and turn it over.