Jos. A. Bank takes up to 85% off almost everything sitewide as part of its Lowest Prices of the Year Sale. Even better, cut $50 off orders of $250 or more via coupon code "CHEER". Plus, all orders get free shipping. Deal ends January 1. A couple of best bets:
Jos. A. Bank Men's Traveler Plaid Sportshirt for $29 ($61 off)
Jos. A. Bank Men's 1905 Collection 5-Pocket Jeans for $39 ($51 off)
Uncle Sam could take a hefty chunk of your retirement income if you botch this.