Tyler? Yep. Looks like you're retiring next year with $4 million in your IRA. So you owe us nothing. Nobody owes us nothing.No, this is a Roth IRA. I can take out that entire $4 million after I retire 100% tax-free.Well, you can't touch that money until you're 59 and a half.No, it's a Roth IRA. I can take back my contributions whenever I want and spend them however I want.Well, you better start taking those RMDs by 72 so we'll get our taxes then.I don't ever have to take RMDs. So what happens with all that money?It just keeps growing and growing. That's why I plan on giving it to my kids when I die.By then it will probably be worth closer to $12 million.Well, we'll take our estate tax then.Not if it's under $12.06 million, you won't. Lifetime exemption.So we get nothing.