text:  It was all the tax deferred money and tax-free money was all his. And there was about $800,000 in that tax-deferred bucket. And then there was about $350,000 in that taxable bucket, about $100,000 in that tax-free bucket. And they wanted to know, how do we move more money in that tax-free bucket? Right now, they're saving about $50,000 a year in that taxable bucket and about $30,000 a year in that tax-free bucket. Why? Because they're maxing out his finances.