What do you think? Do you think it would be more impactful for them to get the money now while they're in their 20s, 30s, 40s, or when you die, when they're your age? And, of course, the answer is it would be much more impactful for younger people to get the money now, assuming they do something constructive with that money. And we say to the same clients, like, look, you know, the annual gift limit where you don't have to file a gift tax is $19,000 in 2026, meaning my wife and I could give each one of my kids $19,000 each. So I could give $19,000 to my son, my wife could give $19,000 to him, and same for my daughter, where I don't have to file a gift tax.

And the way you could be gifting is you don't just have to give cash, right? A lot of people think, like, I have to sell something in my portfolio. No, you can give your kids highly appreciated stock because guess what? Their tax bracket is very different than your tax bracket. And so, you know, there's a lot of things and a lot of ways you can gift that won't impact you at all, you know, in any material way, but will have a huge impact on the kid. And so Josh and I tell people all the time, clients all the time, like, you can just give them appreciated stock and they can open an account here or wherever you have your money. And you can just move shares into their account and tell them, look, my expectation is for you to keep that money invested in your name and go it over time.