Some people think saving for retirement and retirement planning are the same thing -- but they're not. Saving for retirement is part of retirement planning. But you also need to figure out how to manage that money, both now and in the future, to help it last as long as possible.

Choosing the right investments and knowing how much you can safely withdraw per year in retirement are both helpful. But there's another important step that too many Americans are forgetting -- and it could lead to one angry Uncle Sam.

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Source Fool.com