text:  on any of their social security. So then all of a sudden I'm taking out 50 grand from my 401k. It's triggering my social security to become taxable, but no longer am I in that 22% bracket. Now I'm in the 25% bracket. So now I'm paying 25% tax on my social security and 25% tax on my 401k. And I've really caused myself this massive, massive problem. And the advice that they got