for 2026 and beyond? Well, there's things like additional standard deductions when you're over age 65. You get additional deductions on top of the standard, which is really helpful for someone in retirement that is trying to pay less in tax, which me

the tax efficiency realm because I realized, okay, what are all the barriers to building wealth? What are all the hurdles? And it's the bad deeds, the death, disability, divorce, all of those. But then what are other things that hold us back as we're