text:  You have to start pulling this money out of your IRA and 401ks. And when you start thinking about taking social security in combination with it, and you start thinking about all the different incomes that you potentially could have, man, this is why you mentioned it, Ryan. And I love what you said, that this truly is the biggest needle mover that we can help people to really see not only what the risk could be for how much they could be paying in taxes over their retirement life, but even more importantly, what they can do about it.