 Sure, there are. And so there are ways, but a lot of times it involves planning many years in advance. So a big way to save money is to save taxes, and later on it's to save in a Roth IRA during your working years. So Roth IRA contributions are not tax deductible, but they grow tax-free, and distributions generally are tax-free in retirement as well. So you can also consider doing a Roth conversion during early retirement years to increase your Roth funds.