text:  It could just be kind of operating like a Roth IRA for higher education purposes. And then you have cash value life insurance, which falls into that same area of the tax code as a Roth IRA. So you're looking at these buckets and starting to go, this is kind of baby step six, seven, eight, right? This isn't usually the first things that you're doing. Well, for some individuals, the Roth IRA may be one of those first things, but-