text:  which we often refer to as your 1099 bucket. You have your tax-deferred bucket, then you have your tax-free bucket, and then you have your income tax-free and estate tax-free bucket. Typically, the more that you have, the more you want to move down the line all the way over to that estate tax-free bucket, which often doesn't really come into play for individuals unless they have typically at least around $10 million in