"You may have spent years saving for retirement—but have you thought of the best way to use the money you saved? How you withdraw from your IRA, 401(k), and other accounts can have a major impact on how much you will pay in federal income taxes during retirement. After searching in vain for helpful information on retirement withdrawal strategies, I decided to create a retirement tax simulator I call the Retirement Tax Saver tool. The tool shows that how and when money is withdrawn from retirement accounts can have an enormous impact on taxes. I thought the information was important enough to share that I interrupted my attempt at early semi-retirement to write the book, From Savvy Saver to Smart Spender: How to Pick a Tax-Wise Retirement Withdrawal Strategy."