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as mentioned, IRA withdrawals increase the tax on SS (so RMDs kind of get taxed twice) and if big enough increase Medicare premiums..

Not there yet but for some SS is only a component of income so it's tax on income not just SS, right ?


distributions from trad.IRA or 401k (or similar) are ordinary income;
add that to taxable dividends, interest and pensions
add that to capital gains (i think)

and that total goes into a bizarre formula* such that if it's small enough, no tax on SS, if big enough, 85% of SS is taxable.

zat make sense?

form 1040, line 20 Worksheet
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