RE 401K. 楼下几位网友问到点子上了!

那么, 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。这样, 现在会多交税, 但将来社安金不交税。 2) 退休后立刻拿社安金。 现在无法大量从401K上转钱到Roth上 (因为一多转就要超过社安金不交税的门槛)。 现在少交税, 但将来每年RMD有七万多，超过社安金不交税的门槛, 不光RMD要交税, 社安金的85% 也要交税。 这两个方案到底哪一个更好?

理解错了，删了

你把我也绕胡涂了

可是我觉得你先前说的有道理啊。

 

刚想 说 "能具体点吗? 先谢了?", 您就删帖了。

怎么看你也要社保交税

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? 

 

还要减掉花的钱吧

钱多税多，无法回避，但还要考虑增值这一块

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

吃喝的钱能减税？我乖乖

是指减免

减免什么？

Deductible, standard or itemized

没有 standard deduction (27000 )?

谢谢了

社保局的公式没有说combined income是deduction以后的啊。

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

You can do it yourself. 

有道理，但RMD 应该减掉standard deduction,只是我的理解

google "above line deduction. "

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. 

above line/below the line

see my answer below. 

你是对的，我搞乱套了

这不鼓励人穷躺平吗

因为有的人，手里两米还不躺平！

不都说得五个米吗，又听说这也不够了

通货膨胀了

有五个米还焦虑，这日子还有什么过头。