Supplement retirement income with real estate. Use interest-bearing notes and inflation-protected securities or tips to help offset the tax burden on retirement. In the past, many investors held unregistered notes for inflation-protected securities, which helped offset their taxes. Now that these options have been eliminated or restructured by Congress, many investors must find other ways to pay off debt without losing their homes, retire early, or otherwise suffer significant financial hardship. TIps are issued either in five, ten, or thirty-year terms. If you want to keep pace with inflation, it is advisable to purchase long-term notes before they mature at the current market price.