text:  Taking all of those things into consideration, maybe we find that contributing to that tax-deferred IRA, those tax-deductible IRAs and retirement accounts, actually isn't in your long-term best interest. Yeah, because what you're doing is you're kicking the can down the road. You're putting money into a tax-deferred bucket so you don't have to pay taxes today, but you're going to be paying taxes down the road. In the first segment, we talked about the family that was trying to diversify their tax buckets, this individual, Chris.