text:  Well, the first thing is measure, right? Because what gets measured gets results. And being able to have a clear picture of, if I've saved a million dollars in my IRAs and 401ks, what you have to first recognize, that's not all your money. Uncle Sam's still going to get his cut. Now, what's the cut going to be? It depends on what tax rates are, how long you defer it, and what the future holds when it comes to taxes. And here's the reality. Inflation, national debt, pensions, healthcare spending skyrocketing.