401K２百萬，如何社保少交稅，（更正了社保交稅的算法）

首先，要學會看tax bracket， sweet spot for married couple is 12%。 

Tax Rate	Single	Married filing jointly	Married filing separately	Head of household
10%	$0 to $11,000.	$0 to $22,000.	$0 to $11,000.	$0 to $15,700.
12%	$11,001 to $44,725.	$22,001 to $89,450.	$11,001 to $44,725.	$15,701 to $59,850.
22%	$44,726 to $95,375.	$89,451 to $190,750.	$44,726 to $95,375.	$59,851 to $95,350.
24%	$95,376 to $182,100.	$190,751 to $364,200.	$95,376 to $182,100.	$95,351 to $182,100.

taxable income小於89450， gross income < 89450 + 25900 (std. deduction) = 115350. 

所以，保證一年的gross income < 115350, 你就省稅了。 

第二，目的不是社保不交稅，而是少交稅。

比如，72歲以後，社保六萬，401K 取出來 六萬五，最後的taxable 社保是49350， 總AGI是$ 113350，減去standard deduction 25900，是87450，是12%的稅率。

https://www.covisum.com/resources/taxable-social-security-calculator

對比從62歲到72歲，每年從401K裏麵取20萬，那麽最高稅率基本上是22%，整整多了10%, 盲目追求社保不交稅而多付10%的收入稅，這個就不值了。