text:  That allowed them to contribute $8,300 plus $1,000 in catch-up contributions, $9,300 a year now going into an HSA, which isn't just tax-free. It's getting them a tax deduction here at the same time when they're making that allocation. So then that allowed us to move about $10,000 a year from that taxable bucket over to the tax-free bucket. And then they never realized that she could have been making retirement contributions even though she's now working based on her husband's earnings record. Yes.