https://bbs.wenxuecity.com/tzlc/1480994.html
這篇博文以作者（L94607 ）的親身退休體會講明了，如果不小心規劃，一個普通收入者的401K的錢拿出來時稅率會比現在高很多！可能高達40%！
這樣我們的401K的低稅率策略不就完全失敗了嗎？
諸位看官，我們都需要細細思考這個問題！
如果隻能記住一句話，這句話就是：拿了社保之後，每從401K取一塊錢，社保的0.85元就需要交稅！
五月18日更新：
這個英文網站比較詳細：
https://www.investopedia.com/ask/answers/013015/how-can-i-avoid-paying-taxes-my-social-security-income.asp
這篇文章要點（KEY TAKEAWAYS）：
- Up to 50% of Social Security income is taxable for individuals with a total gross income including Social Security of at least $25,000, or couples filing jointly with a combined gross income of at least $32,000.
- Up to 85% of Social Security benefits are taxable for an individual with a combined gross income of at least $34,000, or a couple filing jointly with a combined gross income of at least $44,000.
- Retirees who have little income other than Social Security won't be taxed on their benefits. In fact, you may not even have to file a return.
- Your focus should be on paying less overall taxes on your combined income.
- A tax-advantaged retirement account like a Roth IRA can help.
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