When your income is low you pay zero income tax on your SS
1) When your income is low you pay zero income tax on your SS benefit
2) When your income get higher and higher, taxable SS benefit also get higher and higher.
3) Soon you will see: For each additional income $, you may pay 30c tax for that $ and pay another 20c for you SS benifit. I.e., for each additional $ of income, you can only keep 50c.
1) IRA income is not counted as your taxable income. (401K is counted and therefor you shall tranfer big percentage of it to your IRA before you start taking SS benefit).
2) Your bank saving & stock are not your taxable income, only interest from saving and capital gain are your income.
3) You can maximize your health spending account and never use it before your retirement
美国六十五岁左右的老人平均个人退休金积蓄是28万美元。是因为他们没办法更多吗？经过本人研究，非也！
这些老人两口子总共平均能每年拿到38000美元社安退休金，两个人平均存款总数是560000美元，平均到25年就是每年22000左右，正好是不交税的上限。超过22000的部分基本要交21-50%的税。在有房贷付清的房子前提下，22000+38000 = 60000现金足够中小城市的两口子日常使用加国际旅游。聪明啊！
向美国人民学习，60岁让你两口子的退休账户里有56万美元吧，你可以享受平静的退休生活了。多了没啥大用，少了有点不便。
u and me with mr gates...we are all rich...
这么低的RMD怎么会交50%的税？
其实退休算来算去没多大意义，因为未来不可预测，特别是现在我们身处的时代，谁知道会是怎样的变革，最好的是想想自己退休要过怎样的生活，从这个方面入手规划，如果累了就躺平一段时间想想这辈子什么还想做，都一把年纪了，没必要算来算去，或者耗在自己厌恶的事情上，退休应该是生活和思想的提升，人生升华了才能准备好快乐无遗憾地升天
https://smartasset.com/taxes/virginia-tax-calculator
存钱不一定有钱，花钱不一定没钱
人这辈子命里注定
1) When your income is low you pay zero income tax on your SS benefit
2) When your income get higher and higher, taxable SS benefit also get higher and higher.
3) Soon you will see: For each additional income $, you may pay 30c tax for that $ and pay another 20c for you SS benifit. I.e., for each additional $ of income, you can only keep 50c.
你也不错，没消费多少时间在网上
there are exceptions to it.
1) IRA income is not counted as your taxable income. (401K is counted and therefor you shall tranfer big percentage of it to your IRA before you start taking SS benefit).
2) Your bank saving & stock are not your taxable income, only interest from saving and capital gain are your income.
3) You can maximize your health spending account and never use it before your retirement
4) any suggestion?
看来你不知道顶端1%付了全部联邦税的40%。
社保金之外如果还有额外收入，这部分收入是正常交税的。而社保金自己是否要交税呢。取决于你的总收入。总收入如果够低，社保金的收入是不交税的。如果过高，就会递进式的征税。最该会到85%。很多人是50% . 注意是社保金的85%要交税，而不是交85%的稅。这个区别大了。