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as we get older itamp;#39;s not uncommon to find yourself with the majority of your money in pre-tax accounts accounts like a regular 401K a regular Ira a regular 403b and so why is that a problem itamp;#39;s a challenge because every dollar that you take out in retirement if all of your money is in these pre-tax accounts every dollar is going to be taxable thereamp;#39;s a joke in my industry itamp;#39;s not that funny but every time you buy a loaf of bread from the grocery Time Grocery Store every time you fill your car up with gas youamp;#39;ve got to pay income tax on that and it illustrates what the challenge is so what can you do Iamp;#39;ve been a financial adviser for over 20 years Iamp;#39;ve helped hundreds of folks think through issues like this as they prepare to re retire and the first thing is do not beat yourself up the hard thing is to save the money so congratulations on having been able to save the money but you definitely want to plan ahead because by planning
