Your 401(k) or IRA could hide a tax time bomb. Withdrawals in retirement are taxed. RMDs at age 73 can spike income. Future tax hikes could slash savings. A $1M account may face $40,000+ in mandatory withdrawals, pushing you into higher brackets. Roth conversions, strategic withdrawals, and fee reduction can defuse the risk. Even a $500,000 balance could lose $50,000–$100,000 without planning. Act now. Protect your retirement from this hidden tax trap before it explodes.