For the US, retiring, at least for most that are on the verge of retiring savings-wise, means you have a mix of regular savings (that has already been taxed) an

For the US, retiring, at least for most that are on the verge of retiring savings-wise, means you have a mix of regular savings (that has already been taxed) and 401k savings (that hasn't). If you figure out how to limit your 401k distributions, then it may be possible to keep your taxable income low enough that you get ACA subsidies to limit the cost of your health insurance premiums. Although maybe that's not the expensive part?