text:  You actually have a partner in that relationship, and that partner is Uncle Sam. And guess who gets to control how much money they get? I give you a hint, it's not you, because Uncle Sam controls the tax rates at that point. So it's really important that you have tax diversification and tax planning with your retirement plan. You can't do it in a silo. So it's important to look at things like Roth conversions, does it make sense, and get some money into some accounts that can grow tax-deferred, and then you can also receive it tax-free as well, too.