Most people read their retirement statement as if the whole balance belongs to them. It doesn't. A traditional IRA or 401(k) is a joint account with the IRS, and the IRS has not told you its share yet. Eight questions and you'll see it.
What your household and your heirs pay in total on the current path.
The after-tax figure that actually reaches them.
And by how much — or whether it doesn't, which happens too.