This total is your "combined income." If your combined income is more than $34,000 for singles or $44,000 for couples, up to 85% of your Social Security income may be taxed.
你可以去精萛 Combined Income. 相信这儿的人极少能做到少於 44000 for couple 一年的. 不要忘记 no taxable interest and HALF of your SS benefit must add back to the AGI for the calculation of threshold amount.
即使不工作 你的AGI 除了401 k 和 IRA distribution, 还有 investment income from investment 然后再要加回 nontaxable interest and half of your SS to reach the final amount used as base to determine whether your SS is taxable up to 85%.
除非你肯定以后完全没有 taxable investment income AND nontaxable interest income, 否则你的 SS 85% benefit 极大概率要交税
原文如下
To calculate your taxable Social Security benefit, first determine your adjusted gross income (AGI), which is your total taxable income. This might include money you make from:
Employment Distributions from traditional 401(k) plans and traditional IRAs Taxable income from investments, such as stock dividends and interest from taxable accounts
Second, subtract any tax deductions to determine your AGI.
Finally, add two components to that AGI:
You nontaxable interest Half the amount of your Social Security benefit
根据以下worksheet，
Combined Income = ( ( SS / 2 + other income ) - standard / itemized deduction）
then the combined income
(0 - 32000 x 0%) + (32000 - 44000) x 50% + (44000 or more) x 85% = taxable SS.
我去查了一下，我们家67岁full benefit，两个人要拿到七万的SS了。
以下以一家两口，每年六万的SS，另外取三万401K，最后SS几乎不上税。这属于边界状态。如果家里社保金多，那么401K只能取三万以下，才能保证SS不上税。
这还是按67岁的。我是可以等到67岁，但是我老婆年轻一点，肯定是62岁就退休开始拿。所以最后可能不到七万。
开玩笑如果我们以后十几年能拿到更高工资，可能比七万多，哈哈。估计不会了，我们两个现在都是混日子。
假设70岁开始拿 SS六万，每年RMD是三万，SS可以不交税。那么72岁的时候，401K里面只能有80万美元。800K / 27.5 ~ 30K
那么62岁退休401K里面有两百万，需要八年从401K里面转走1米2，加上中间的增值，估计要转走1米六，那么就是每年要转20万。
这二十万，由于不用交payroll tax，按照现在的bracket，top bracket = 22%, 要交$ 29536, effective tax rate = 14.77%.
https://www.taxact.com/tools/tax-bracket-calculator
https://www.schwab.com/learn/story/social-security-is-taxable-how-to-minimize-taxes
重点
This total is your "combined income." If your combined income is more than $34,000 for singles or $44,000 for couples, up to 85% of your Social Security income may be taxed.
你可以去精萛 Combined Income. 相信这儿的人极少能做到少於 44000 for couple 一年的. 不要忘记 no taxable interest and HALF of your SS benefit must add back to the AGI for the calculation of threshold amount.
即使不工作 你的AGI 除了401 k 和 IRA distribution, 还有 investment income from investment 然后再要加回 nontaxable interest and half of your SS to reach the final amount used as base to determine whether your SS is taxable up to 85%.
除非你肯定以后完全没有 taxable investment income AND nontaxable interest income, 否则你的 SS 85% benefit 极大概率要交税
原文如下
To calculate your taxable Social Security benefit, first determine your adjusted gross income (AGI), which is your total taxable income. This might include money you make from:
Employment Distributions from traditional 401(k) plans and traditional IRAs Taxable income from investments, such as stock dividends and interest from taxable accountsSecond, subtract any tax deductions to determine your AGI.
Finally, add two components to that AGI:
You nontaxable interest Half the amount of your Social Security benefit另外44000里面SS也是除2 以后的。
所以我的结算还是有意义的。（自己夸一下自己）
那么, 以下方案是否最省税哪? === 那么62岁退休401K里面有两百万，需要八年从401K里面转走1米2，加上中间的增值，估计要转走1米六，那么就是每年要转20万。 这二十万，由于不用交payroll tax，按照现在的bracket，top bracket = 22%, 要交$ 29536, effective tax rate = 14.77%.
= 28%
现在即使花光，也还是花的现在的税后钱。