do you have to start taking distributions from your retirement account? what is your retirement account? a pension? a 401k? something else? if you are required to take distributions, what is the minimum you can take? are you also getting social security? (side question, does social security could toward AGI?)i think your best bet would be to forego or delay payment from your previous account and start up a Roth (preferred) or regular IRA.best,--morgan
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