There’s been a lot of talk in the news about how Donald Trump may have paid zero taxes over as long as an 18 year period, something he has called “smart.” This is due to a provision that would have allowed him to use business losses in one year to offset income in other years.

While most of us don’t have that luxury, there are a surprisingly large number of sources we can use to generate tax-free retirement income from:

1. Your employer’s retirement account. If your employer offers a 401(k) or 403(b) plan, you can contribute up to $18k per year pre-tax or $24k if you turn 50 or older this year. This reduces your taxes now but don’t you still have to pay taxes on the income when you withdraw it? Yes, but some or even most of that income may not actually be taxed.