 I'm 63. You know when I'm going to pull the money out of that Roth? Never. Because it can go to my next generation tax-free. I'm going to let the sucker sit there and grow. I'm 63. Let's say I live to 93. That's another 30 years. All that money is going to grow tax-free, and then it's going to be handed to the next generation tax-free. Not true with traditional. An inherited IRA is taxable. So it screws up your estate plan. And if you do really good and you save a whole bunch, you're going to be in a high tax bracket.