I'm in the process of reading this book and even though I'm not even halfway through, I realize that I was about to make a momentous (and very costly) mistake with my 403(b) payouts when I retire in about a year. This book has already totally changed the way I think about my retirement savings and I'm only on page 103! I should have known that any "gift" from the government (namely tax deferred investments) would have a huge tax implication if you're not savvy about all the labyrinthian rules of the IRS code. Thank you for helping me save my nest egg!