text:  Now, the tax part you can help control a little bit, but there's a couple of things that you really have to be cognizant of when you look at your retirement accounts. Those pre-tax retirement accounts, they're growing, right? And hopefully you're earning a great rate of return and you're seeing your net worth continue to increase. But at some point, Uncle Sam says, hey, you didn't pay taxes in the first place on this money. I want my money. It's time to pay up.