IRA Rescue: Your IRA or 401(K) Has a Partner Called the IRS: It Is Time to Fire That Partner

You are at a party and there is an IRS agent in the room (ok, it is not a very exciting party) and the agent over hears you tell your friend that you have $100,000 in your IRA or 401(k). The agent has every right to go over to you and point out the fact that if you are in a 25% tax bracket, your IRA is really worth only $75,000 to you because $25,000 belongs to your IRA partner…