 At least for the first couple of years, I would say that they are. That is often true depending on where you are in the income spectrum. Right. Now, you mentioned traditional IRAs, traditional 401Ks. Specifically, yeah. Right. So there are Roth IRAs, Roth 401Ks. You put the money in after tax, and the gains all grow tax-deferred. And then if you make these qualified distributions, which basically just means after 59 1⁄2 years.