 I'm your host, Roger Harris. Today, we're discussing financial independence. We're talking about risk. We're talking about RMDs and a couple of white papers you can get your hands on if you'd like to know more about RMDs and how that works. We have a great flow chart for that. But we're also, as I mentioned, we're going to talk a little bit about the tax history and how that could affect you going forward. There's going to be some big changes in the tax code coming up, very big changes. It's actually a law that's going to sunset