text:  and your risk tolerance. And so there are nuances here that you have to understand in all of these different buckets, but that taxable bucket is the place that we start. Then we start talking about that tax defer, the tax-free, the estate tax-free bucket. And here towards the end of the show, we're going to share with you how we helped this couple move about $50,000 a year they were saving into this taxable bucket and move it all to that tax-free bucket.