text:  Yeah, so that's the tax always account. The tax deferred account is what we talk about with IRAs and 401ks. And you mentioned this, Ryan, that for too long, too many financial advisors said, don't worry about that. Don't worry about that money. In fact, keep that money in those accounts as long as you can and wait until required minimum distribution age before you start thinking about even paying taxes on that. But here's what we found is we found that if you only wait until the end