Having an IRA, or 401K is pretty straightforward. You fill out some forms; pick your investments; and make contributions automatically.It’s just not that complicated, right?But that’s not true.There’s a lot more to these retirement accounts ... than most people realize. You soon learn that saving money in one of these accounts … is the easy part.But withdrawing this money in retirement … gets very complicated.This is where millions of Americans make critical mistakes.And these mistakes … come at a huge price.