text:  You know, the HSAs, the 529s, these are kind of specialized areas. We call those HSAs super Roths because we don't have to pay the taxes on the front end and we can take it out tax-free. So what they were looking at is, hey, we want to save $75,000 a year. Right now, we're only getting $30,000 a year in a tax-efficient place. What do we do with this other $45,000?