 But you do pay taxes on the gains when you access the funds. And if you build up a nice sizable chunk of money, you obviously can have some pretty big tax bills on those types of accounts, those tax-deferred. Tax-free is what it sounds like. It's tax-free. You access the money, money grows tax-free, you access it tax-free. An analogy would be like a Roth IRA. Many people are familiar with those. You can access the funds tax-free.