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JAFO writes:

Obviously, Pixy recites the current rules; and we can only operate using the current tax code. BUT, I also think that it would be foolish (1) to assume that the tax code will never change and (2) to not consider what those changes might look like. Roth IRA will look like a mighty inviting target, IMO.

Last, I have no idea how Roth IRA withdrawals work in relation to the current taxation of SS benefits for those who are already retired.

Obviously, Congress may change tax rules at will and as it sees fit. That topic has been discussed ad nauseum on this board regarding the Roth. IMHO, unless they wish to have a huge rebellion on their hands, our illustrious leaders will not revoke, rescind or change the rules for those who have a Roth in place. Instead, they will attack from a different angle -- like using a flat tax or national sales tax.

As to how Roth withdrawals impact the taxation of Social Security, they do not in any shape, manner or form do so. That income is NOT part of the add-back required under existing law. For the same reasons as before, I don't see Congress suddenly revoking that exclusion so it is included.

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