08/24/2026
Here's something most people don't think about until it's too late: every dollar sitting in your 401(k), IRA, or 403(b) has a silent partner who never signed a single document — the IRS. And when you start taking money out in retirement, that partner is ready to collect.
It's not a scam, and it's not a mistake. It's just how these accounts work. The real question is how much they're set to take, and whether there's anything you can still do about it.
I break it all down in the full Tax Torpedo video: https://youtu.be/HcyqRxmPThU