text:  in the most tax-efficient manner possible. Mike Connett, Ryan Herbert, the Dow just hit a milestone, which it, what, surpassed 40,000? Boom! 40,000 barrier. So what do we do now? Because people think, well, now it's easy because my 401k, my TSP is up. Hey, put this plan together for me. What does that actually mean for our 401ks?