text:  And in this world, you receive a step up in basis on the assets upon death. So there's that other nuance. So if you're someone that says, hey, I just want to take as much risk as possible and I'm never going to use these dollars, maybe you're allocating to growth stocks that aren't creating ongoing taxable income that are just appreciating so that someday you can pass those things on to your heirs and they don't have to pay taxes when you pass away. Maybe it's real estate. Real estate can be incredibly tax efficient as you're able to benefit from depreciation