 Okay, so this is another complication that remember that the income tax code for individual taxes is typically a cash-based system You get the deduction in other words when you pay it, which is simple. It's easy to audit It's easy to track however also easy to manipulate, which is why when we talk about like Businesses they're required to use an accrual system and they're held to that accrual system with an audit, right? That's what we do for corporations. We can't basically have an audit of every individual's taxes Therefore, we want to keep it simple cashed based system and then the iris might Randomly audit people which they can then follow the money fairly easily However, people will come up with plans then to distort when they're gonna try to get the deduction Meaning I would rather have the deduction sooner rather than later in general and some years I might have more income than other years which because of the progressive practice System will result in higher tax rates So if in this year I have a higher tax rate Then I think I'm gonna have next year because I earned more money I might be looking for more deductions this year one of the bright ideas I might come up with is that hey look why don't I just Say to my mortgage company I'm gonna pay you all of the interest on the loan Upfront and then I'm gonna pay the principal later. Is that okay? Well, it would be okay with the bank if they were if they were allowed to do that Maybe because that might mean they get an upfront payment sooner, but the iris is gonna say no you can't do that You can't you can't just you can't just That would be like prepaying the rent like if you're gonna prepay the rent on your office building for the next ten years And I paid it today, and I got to deduct the whole thing today Because I paid it today Well, you can't really do that because you're you didn't use the office building So now the iris is gonna have to kind of limit that from happening and say well You can't you can't do this whole prepayment thing to try to distort and take the deduction earlier than you otherwise would All right you schedule a to deduct qualified home mortgage interest and investment interest So we'll talk a little bit more specifically on some of those categories and a future presentation