 Now, if you want to get real nerdy about it, you could run a present value calculation on that $50,000, but it still doesn't make the point. But if you had invested that $50,000 in a backdoor Roth, somehow, what does that come out to? It still doesn't offset the fact that you've got $350,000 in taxes. Okay, well, don't I pay taxes on the withdrawals on the back end? Not on a Roth, no. Roth is 100% tax-free.