text:  and walk you through some high-level understanding of where we can possibly save these things. Because as I said in the beginning, we often view these things in a complex way because we haven't really grouped them all together. You're thinking about, well, I could put it in an HSA or a 401k or a Roth IRA or a non-deductible IRA. I could put it in an annuity. I could put it in life insurance. I could put it in a municipal bond. Well, in reality, all of these different things