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if the RMD is big enough .. your SS gets 'fully' taxed, you might have to pay the extra for Meidcare, might even hit AMT -- so it CAN be much worse than just a higher bracket.

That would have to be a several million dollar IRA at age 70 assuming current tax rates.

Regarding SS being "fully taxes" the effective tax on the IRA is still half of what I'm paying bring it on!

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