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Don't you mean effective tax rate

No, the marginal rate or, for some with relatively large TIRAs, an average of the two top tax rates.
The Effective rate is an average tax rate across all brackets and forms of income (Qualified dividends + LTCG). The marginal rate is the tax on the next dollar of ordinary income.

Now, it could be an average of two tax brackets if the RMD is partly in one bracket and partly in the next higher bracket. But this would be unusual for most retired households, I'd imagine. For a couple with ordinary income of SS + Pension + investment ordinary income = $80,000 who take the standard deduction for 2019, it would take an RMD of >$26,000 to go from the 12% to the 22% bracket, or an IRA of about $712,000. Certainly possible...particularly for a retired household like ours that hasn't done much of any RMD planning and has let the TIRAs just grow like weeds =====> a very large tax bill bump in a couple of years :-(

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