 You still have to pay RMDs. The only way you get out of RMDs is a Roth conversion. Now, you guys have heard me talk about Roth conversions probably almost every time I'm on the show. Today's topic is not Roth conversions, but it is one of the things we do for folks when they come in to see us if they're looking at unyoking themselves from the IRS. And that is one way of doing it is converting any qualified plans into Roths. Just convert it into a Roth. It's easier than you think.