No. of Recommendations: 0
jeffbrig writes,

Ok, you're right, it's still tax rate. What I was trying to get at is that "tax rate" is used by most to refer to a number in a tax table. Which is not quite the same as the blended tax paid. The typical roth vs traditional argument usually compares only marginal rates and ignores the blended concept.

</snip>


I agree. What I'm looking at is the annual dollars I pay in taxes this year, and in future years. My goal is to reduce the cumulative amount lost to taxes over time.

My strategy has been to minimize income pre-age-65 in order to maximize my Obamacare tax credits. Then do Roth IRA rollovers from age 65-70 to trim the size of my IRA required minimum distributions at age 70. I'm also delaying Social Security until age 70.

If I do nothing, RMDs at age 70 will likely push me into a higher tax bracket.

intercst
Print the post  

Announcements

The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.