 The easiest thing is you take the money, you pay the taxes, you can either spend it, you can put in your taxable account, sorry. I don't consider that tax twice because remember, you didn't pay taxes at all on this money and so it hasn't yet been taxed. So you're just paying the tax that would have been due. Okay, if you don't need the money and the fact that you're 73, maybe you'd like to do something else like you could give the money away. If you really don't need the money and you don't wanna pay tax on it or you don't wanna actually have it in a taxable account,