text:  Mike, something you said really just struck me, which is if people do the right thing that they've been taught to do, which is save money into their 401k, their IRA, their TSP, and you know what? If they have a good advisor and their money is growing at a really sustainable rate, 7%, 8%, 9%, 10% per year, they're going to be penalized for that because they have a bigger balance that is subject to income tax, right? That's what you're saying.