text:  If you've got a 401k or IRA, I've got some bad news for you. Hi, this is Joe Morrison, bestselling author from right here in the Baltimore area, and I want to give you a free copy of my new book, Crash Proof Wealth. The IRS wants you to think these qualified plans are the best way to save for retirement. They give you a tax break when you contribute. Sounds good? Wrong. Qualified plan could be a tax disaster when you retire. With over $26 trillion in debt, taxes are already going up.