 I'm not going to be able to spend all this money in 20 or 30 years, 15 years. I'm going to be leaving a half a million, a million, $2 million in a tax-deferred retirement account to my kids. And boy, they're making a lot of money. They're going to be forced due to the elimination of stretch IRAs. They're going to have to take that whole IRA out over a 10-year window.