No. of Recommendations: 8
I have only quickly scanned the thread, so this may have already been said, and of course I may be completely wrong.

You are concerned that in making $160,000 your bracket will change, but it only changes for the amount *over* $151,900. So you will be taxed an "extra" 3% on $7,900. You're worrying about an extra $240 or so, right?

OK, one way to defeat this horrible problem is, if any of the income comes from your wife, get a divorce and file separately. You will probably pay more individually than as a couple, but you won't see that extra $240 on the tab, so, good show.

Or, you could just bite the bullet, and instead of taking the RMD, take enough out of the account now that next year's RMD and the years which follow give you less in your IRA so the RMD will be smaller. Problem solved. It will cost you more to do it now because you will be paying all the excess at 28% instead of the extra 8-grand, but then you won't have this issue year after year.

Also, you could die and solve the whole thing, at least for yourself.

As Mr. Spock said "Jim, there are always options. They may not be good options, but there are always options" [paraphrase]

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