Taxes are the biggest issue when it comes to retirement accounts, author says

Contributing sentiments towards policy:

56% : The time bomb is the tax embedded in every traditional IRA and 401(k) account that is tax-deferred.
55% : I am worried about tax rates rising for people in their retirement.
54% : Start trimming those IRA balances while you can get them out at the lowest rates and move them away from the tax man into what I call tax-free territory in a Roth account.
53% : Provisions in the 2017 Tax Cuts and Jobs Act (TCJA) that lowered individual tax rates are scheduled to expire on Dec. 31, 2025, unless Congress acts to extend them.
53% : No reason you have to spend it unless you need it for living expenses, and you can take out more than you have to and start spreading the tax over more years of these low brackets.
45% : You are getting it out at zero tax and giving it to a charity, something you would've done anyway.
42% : The minute you get those funds into tax-free vehicles, they grow and compound for you.
41% : Do a Roth conversion, or put it into some kind of tax-free vehicle like life insurance.
38% : "Slott is the author of the new book "The Retirement Savings Time Bomb Ticks Louder: How to Avoid Unnecessary Tax Landmines, Defuse the Latest Threats to Your Retirement Savings, and Ignite Your Financial Freedom."

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