I pull several thousand a year from my IRA to supplement that, I get a small pension of about $350/month (which just pays Medigap costs), and she gets a small amount from stock dividends. If you're both over 65 you don't have to file if your gross income excluding Social Security is less than $21,800. That's the 2012 number; it goes up each year. With your several year history of zero tax it's likely you don't have to file at all unless you're reaching zero tax through itemized deductions.PhilRule Your Retirement Home Fool
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