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Too many Americans enter retirement forgetting that all the money in their IRAs and 401(K)s does not belong to them. Those funds have never been taxed. Uncle Sam is waiting with his hand out, demanding his 33%. Every dollar taken from these tax deferred accounts is now going to be taxed. Every tax dollar taken by the government, is a dollar that you can't spend on a fun event. It is imperative that you learn how to move toward a zero tax retirement while you are still working!

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