Why do people come to see us? It's the main reason people come see us, right? That starts the conversation. The thing that confuses people the most, or people have the least understanding of, is what the tax rules are, and how they'll be applicable during retirement. One of the first questions I ask when I go up and start our workshop, is "How many of you have a complete understanding of how taxes will impact you during retirement?" There's never a hand that comes up. That's why I'm here. "How many of you have questions?" Every single hand goes up. If you position your money improperly, you could end up paying the piper because of that