It's a tax hike on the retirement money that you (hopefully) and I have invested in our entire lives. You thought that money would accrue before taxes? You thought that was a tax-free Roth? Sucker.
It's the Democrat neomarxists showing their hands : "You don't need that money to build a second home in Florida. WE need that money for the illegal invasion and to make sure you can't insure that second home."
This is where Vance could be put to some use rather than getting in social media beefs with Goobernor Brassiere.