The OP is using 'real' returns in his initial post. We can therefore use todays tax rates for forcasting relative numbers.You (we) can’t know that. Tough to follow everything for me, but aren’t we talking about future levels?
"Which after a standard deduction might only give you a sliver of income in the 24% federal tax bracket if you are both alive then."
That would be near the middle of the 24% bracket and well into IRMAA tier 2.
Statistics: Posted by smitcat — Mon Jan 19, 2026 10:53 am — Replies 60 — Views 3115