 when what we should really be doing is running the actual math to know how much that's actually going to save you, again, in dollars and cents over the rest of your life, not just doing it kind of willy-nilly. Right, because we think about those 401ks and those IRAs, and it's pay me now or pay me later, right? Somebody's going to pay those taxes. Either you and your spouse or your family is going to pay them while you're alive, or the estate's going to settle it up when you distribute those assets to your heirs. We know that the rules have changed for the beneficiaries