A couple with $2 million saved might look like the picture of retirement success. But if most of that money sits inside traditional IRAs and 401(k)s, refusing to spend it can create a tax problem later.
The issue has nothing to do with buying expensive vacations or draining a portfolio. It comes down to where the money sits, when the tax bill arrives, and who eventually receives the account. A giant balance can feel reassuring while quietly becoming more difficult to manage.
