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 Protecting a nest egg is tough enough. Don’t make the situation far worse. amenic181 / Shutterstock.com

Building and living off a nest egg is tough, but you can make the situation even more difficult if you run afoul of some key laws governing retirement accounts. Make one wrong move, and the long arm of Uncle Sam may soon tap you on the shoulder, demanding a few explanations. Following are penalties to avoid at all costs when contributing to or withdrawing from retirement accounts.

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