text:  they might not have been paying tax 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