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February 21, 2025

The Retirement Tax Bomb—And How to Defuse It

The Retirement Tax Bomb—And How to Defuse It

Most Americans think they’re set for retirement if they just max out their 401(k) or IRA and wait. But what if I told you the government has a plan to take a massive cut of your hard-earned savings?

That’s right. It’s called The Retirement Tax Bomb, and it’s been quietly draining retirements for decades. Here’s how it works:

The money you put into your 401(k) or traditional IRA? It’s NOT tax-free—it’s tax-DELAYED. That means the IRS is waiting like a vulture to swoop in and take their share when you start withdrawing.

And here’s the kicker—tax rates are historically LOW right now. But with the U.S. national debt exploding past $34 TRILLION and Biden pushing more reckless spending, do you really think taxes will stay this low forever?

If tax rates rise just a few percentage points, it could drain tens—maybe even hundreds—of thousands from your nest egg.

So what’s the fix?

The ultra-rich don’t fall for this trap. They use a little-known loophole that lets them avoid paying retirement taxes entirely.

Tomorrow, I’ll show you exactly how they do it—and how you can, too.

These 4 Things Happen
Right Before a Heart Attack

By S.A. Nickerson

Every year, approximately 785,000 Americans suffer a first heart attack. And 470,000 who've already had one or more heart attacks have another one. The scary thing is that 25 percent of ALL heart attacks happen "silently," without clear or obvious symptoms.

Even when symptoms occur, they can be so mild or vague, most people don't even realize it's heart-related (unless they are made aware). Four things in particular are the most sinister signs of a silent heart attack.

These four things are the focus of a recent video presentation by renowned cardiovascular expert Dr. Chauncey Crandall: 4 Things You'll Feel Right Before a Heart Attack.

According to Dr. Crandall, the reason silent heart attacks go untreated is because people don't even notice the symptoms, so he created a special video presentation to show the four things to look for that may be a silent warning – before it's too late to intervene and survive the damage.

Timing is the most critical factor for survival. Statistics show a clear link between delay in treatment and disability or death – the amount of time that elapses between the first sign of symptoms and receiving care.

That's why knowing what to look for in terms of symptoms is critical, especially when they're the kind that most people don't think to associate with a heart attack – like the four things in Dr. Crandall's video, 4 Things You'll Feel Right Before a Heart Attack.

Dr. Crandall, chief of the cardiac transplant program at the esteemed Palm Beach Cardiovascular Clinic in Florida, practices on the front lines of interventional, vascular, and transplant cardiology. Years of experience have afforded him the chance to detect little-known warning signs and symptoms like the four he addresses.

Editor's Note: For a limited time, Newsmax Health is making 4 Things You'll Feel Right Before a Heart Attack available at no charge. Click here to see the four things that happen before a heart attack.

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Fun Fact

The Roth 401(k) was introduced in 2006 as part of the Economic Growth and Tax Relief Reconciliation Act of 2001, offering a retirement savings option where contributions are taxed upfront, but withdrawals in retirement are tax-free.