text:  What we have to do is we have to start grouping those things and saying, well, each one of these different vehicles that you have in your head, let's group them into different categories and see where you are actually saving and how much you have in each one of these different buckets. And so to give you a high-level overview of what those buckets are, you have your taxable bucket, which we often refer to as your 1099 bucket. You have your tax-deferred bucket. Then you have your tax-free bucket. And then you have your income tax-free and estate tax-free bucket.