Your adjusted gross income + Nontaxable interest + ½ of your Social Security benefits = Your "combined income"
file a joint return, and you and your spouse have a combined income* that is between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits. more than $44,000, up to 85 percent of your benefits may be taxable.
你把我也绕胡涂了
刚想 说 "能具体点吗? 先谢了?", 您就删帖了。
https://www.ssa.gov/benefits/retirement/planner/taxes.html
Your adjusted gross income + Nontaxable interest + ½ of your Social Security benefits
file a joint return, and you and your spouse have a combined income* that is between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits. more than $44,000, up to 85 percent of your benefits may be taxable.= Your "combined income"
”1) 退休后晚拿社安金。 拿社安金之前, 多从401K上转钱到Roth上, 让将来的RMD少于三万。“
30K + interest (assume 0) + 1/2 x SS < 32000 Your SS is only 4000 per year?
30K + interest (assume 0) + 1/2 x SS < 44000 Your SS is only 28000 a year?
我一开始说选1），因为我不会投资，所以不考虑增值，老了会更保守
对于一个会投资的人，无论如何会选2），即是交税了，最后到手的仍可能多
https://www.covisum.com/resources/taxable-social-security-calculator
You can do it yourself.
In 1040, adjusted gross income (AGI) is an important line.
Standard/Itemized deduction comes after AGI. It's called below the line.
Some deductions are called "above-line deductions" because they are removed from your income completely, such as business expense, loan interest etc.
SS tax formula is determiend "above the line", that is, before your AGI is determined. Therefore standard/itemized deduction does not come into play.
see my answer below.
这不鼓励人穷躺平吗
通货膨胀了