ML: See, look here brah, now that you have your son this year, you can get a deduction through the child credit, saving you some money on taxes owed.
Sherman: Oh and what about this deduction
ML: That's your 401K, and it's not a deduction, you take it out early and you get hit with a penalty.
Pete: You look uncomfortable John, what's wrong?
John: Well, I saw the new Harbaugh Clothing Line, so I decided to buy his signature pants, and you know these overpriced pleated pants are really not that comfortable.