text:  that they have an opportunity that they can take advantage of reducing their taxes in retirement. And again, going back to it's not how much you make, it's how much you keep the counts. When we go into this tax conversation with people and they see the difference versus, all right, what am I going to pay in taxes over a lifetime versus if I kind of rip the bandaid off and pay the taxes right now while they're on sale, it could be a substantial amount of money, which means it goes back into your pocket.