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WCI #359: Tax Deferred vs. Roth Contributions: A Deep Dive

White Coat Investor Podcast

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Advanced Strategies for Managing Medicare Premiums in Retirement

Understanding IRMA, the extra premium for Medicare starting at 65, that is dependent on income levels from two years prior. The tiered structure of IRMA begins at income thresholds for single and married filers, with additional premiums for crossing into higher income tiers. Despite misunderstandings, it's crucial to consider IRMA in overall marginal tax rate calculations as it behaves like a tax with a two-year income delay.

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