text:  The main issue being that now you're typically, if you're just saving for retirement and you're saving primarily in that taxable bucket, you're probably spending money on money that you're not actually spending. In this instance, they had about $350,000 in that taxable bucket that was all in mutual funds. And that was resulting in them paying about $20,000 a year, getting a 1099 for about $20,000 a year and having to pay taxes on that, which was costing them a little over $5,000.