text:  tax burden that you're going to someday have to pay. The hope is that this is going to be, you know, in a lower tax environment than where you were when you're working. But I'm here to tell you, Case, I see lots of retired families, usually the older retirees, maybe the folks that are in their late 70s, early 80s, that are in higher tax situations because of all the dollars that they've saved in these tax deferred buckets. So IRAs, 401ks, 403bs, deferred comp plans right here.