text:  Marshall, let's talk a little bit more about that tax deferred bucket. That tax deferred bucket, buddy. Well, hey, you know, this is kind of a bucket that wasn't created till late 70s with ERISA. The Employee Retirement Income Securities Act created IRAs, 401ks, places for people to be motivated to save money for their own retirement because pensions were starting to go away. So like my grandparents retired in 1985, they barely had any money in this tax deferred bucket.