text:  Well, they're not even spending the money. So we need to figure out how we reallocate some of those assets in that 1099 bucket so they don't have to pay taxes on the money that they're not actually spending. So we've got that 1099 bucket. A lot of times people have bank accounts, savings accounts. This is all in that 1099 bucket. It's money you've already been taxed on. You've saved in a place, the 1099 or taxable bucket, and you're going to incur some taxes at some point on those gains. It's important to understand how that works there. Yeah.