text:  We may look and you may already have 90 percent. It's not uncommon for us to sit down with a family where 90 percent of their investable assets are in tax deferred accounts. Well, that's not very good tax diversification. Maybe we don't want to save any more money in those tax deferred accounts. Maybe we want you to fund brokerage accounts or after tax accounts. Maybe maybe you should be putting money in Ross or other tax free places to give yourself more flexibility to.