Consider yourself lucky if that is all you have to pay. When my dad retired the person that was handling their IRA *stupid *itch* didn't tell them that any money they spent they would be taxed on so they bought a new car and a retirement cottage. Last year they had to pay in over 10k to the IRS for luxury tax.
That much when they had only spent maybe 50k for everything. Now my dad has gone back to work part time to make up for the government taking such a huge chunk of their savings.
What's the point in retiring for your golden years if the governement wants to take them and make them your dark and bleak years.