I'm surprised they haven't already changed this calculation to treat qualified Roth distributions the same as they treat tax-exempt interest income and add it in even though it's not part of AGI. Gee I hope not Phil. The Roth is almost the only "tax shelter" the average Joe (no ... I'm not talking about you ~aj) has going for them. But the "anointed ones" in Congress have little concern about us "little guys". </rant>RichArizona
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