Most people think paying taxes in retirement is unavoidable—but with the right planning, it doesn’t have to be. By strategically balancing taxable, tax-deferred, and tax-free accounts, you can reduce or even eliminate your tax burden. In this article, we break down the steps to achieving a tax-efficient retirement, including actionable strategies and a real-life example of how one couple is working toward paying $0 in taxes during their golden years.