Eiler? Yep. Looks like you made $60,000 this year? Yep. So you owe me. Not so fast. I might contribute $6,000 to my traditional IRA and you can't touch it now. Or I might contribute $6,000 to my Roth IRA and you can touch it now, but you can't touch it later. Ooh, or I might start my own small business and not let you touch $14,000 now or $15,000 now. Or I might max out my 401(k) or my 403(b) and not let you touch $20,500. I might contribute to my HSA, $300. Or my FSA, $2,850. Or I might do a combination of all of the above just to mess with you. Why would you want to mess with us? You really want me to answer that? No, I get it.