text:  Remember that first paycheck when you started working all those years ago? You looked at the net amount and thought, whoa, what happened here? Ah, the joy of taxes. It could be this way with your retirement accounts. You know how much you've saved, but if you haven't planned for Uncle Sam, you could come up short in retirement. With tax laws constantly changing, there's a lot you need to know to make sure you're not paying more than your fair share.