怎麽看你也要社保交稅

https://www.ssa.gov/benefits/retirement/planner/taxes.html

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.

”1) 退休後晚拿社安金。 拿社安金之前, 多從401K上轉錢到Roth上, 讓將來的RMD少於三萬。“

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? 

 

所有跟帖： 

• 還要減掉花的錢吧 -恒媽- ♀ (0 bytes) () 09/26/2023 postreply 20:32:37

• 吃喝的錢能減稅？我乖乖 -檸檬椰子汁- ♂ (0 bytes) () 09/26/2023 postreply 20:43:23

• 是指減免 -恒媽- ♀ (0 bytes) () 09/26/2023 postreply 20:46:41

• 減免什麽？ -檸檬椰子汁- ♂ (0 bytes) () 09/26/2023 postreply 20:47:47

• Deductible, standard or itemized -恒媽- ♀ (0 bytes) () 09/26/2023 postreply 20:49:13

• 社保局的公式沒有說combined income是deduction以後的啊。 -檸檬椰子汁- ♂ (276 bytes) () 09/26/2023 postreply 21:03:23

• 有道理，但RMD 應該減掉standard deduction,隻是我的理解 -恒媽- ♀ (0 bytes) () 09/26/2023 postreply 21:06:39

• above line/below the line -檸檬椰子汁- ♂ (336 bytes) () 09/26/2023 postreply 21:09:38

• 你是對的，我搞亂套了 -恒媽- ♀ (36 bytes) () 09/26/2023 postreply 21:19:12

• 因為有的人，手裏兩米還不躺平！ -檸檬椰子汁- ♂ (0 bytes) () 09/26/2023 postreply 21:22:25

• 不都說得五個米嗎，又聽說這也不夠了 -恒媽- ♀ (24 bytes) () 09/26/2023 postreply 21:34:58

• 有五個米還焦慮，這日子還有什麽過頭。 -檸檬椰子汁- ♂ (0 bytes) () 09/26/2023 postreply 21:39:30

• 沒有 standard deduction (27000 )? -newbigman- ♂ (0 bytes) () 09/26/2023 postreply 21:00:46

• google "above line deduction. " -檸檬椰子汁- ♂ (548 bytes) () 09/26/2023 postreply 21:08:51

• 謝謝了 -newbigman- ♂ (0 bytes) () 09/26/2023 postreply 21:01:56