Having an IRA, or 401K is pretty straightforward.

You fill out some forms; pick your investments; and make contributions automatically.

It’s just not that complicated, right?

But that’s not true.

There’s a lot more to these retirement accounts ... than most people realize.

You soon learn that saving money in one of these accounts … is the easy part.

But withdrawing this money in retirement … gets very complicated.

This is where millions of Americans make critical mistakes.

And these mistakes … come at a huge price.