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No. of Recommendations: 4
pauleckler writes

Pre-Social Security can be the lowest tax rate you are likely to see in retirement as you may be in situation to pay taxes only on what you spend.

If you find yourself in this situation, carefully consider your income tax rate and make sure you use all of the lower brackets productively.

If you don't need the income, then do partial Roth conversions on your IRA to pay minimal taxes now and avoid paying more later.


My current plan is to keep my income below 400% FPL for the next 7 years to maximize my Obamacare tax credit. Once I hit age 65, and switch to Medicare, I'll do Roth rollovers from age 65 to 70 to minimize RMDs at age 70 and beyond.

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