text:  to those IRA accounts, but that doesn't mean it's a good idea either. And most people just default into, well, I'm going to go ahead and put money in this tax deferred account, save some money on taxes this year. Because maybe that's what your accountant told you to do because you're going, well, hey, we can save you some money last year if you make some contributions as IRA. Because that's typically how the accountant or the tax preparer, I should say,