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Taxes in retirement
How Social Security, retirement account withdrawals and Medicare premiums act on each other inside a single tax year, with the 2026 figures and the forms that decide what actually gets withheld.
32 min read, updated August 2026
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Taxes in retirement
How the income-related monthly adjustment amount is set from a tax return two years old, what each 2026 band adds to Part B and to Part D, why one dollar of income can cost more than a thousand dollars over a year, what modified adjusted gross income includes that taxable income does not, the seven major life-changing events that justify using a more recent year, the common one-off transactions that are not on that list, and the married-filing-separately thresholds that jump straight to the fifth band.
24 min read, updated September 2026
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Taxes in retirement
The applicable age and the two ways it can be delayed, why only the first withdrawal gets an April deadline and what taking that option does to a single tax year, how the amount is calculated and which of the three life expectancy tables applies, the accounts that can be pooled and the 401(k) plans that cannot, what Roth accounts are exempt from and where that exemption stops, and the excise tax of 25 percent that falls to 10 if the shortfall is corrected in time.
26 min read, updated September 2026
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Taxes in retirement
The two year ownership and use test and why the years need not be consecutive or recent, the three conditions on the joint amount and how they differ between spouses, the two year window after a spouse's death, the basis adjustment that often makes the whole exclusion unnecessary and the community property rule that doubles it, the provision that treats a licensed care facility as continued residence, the reduced exclusion that cuts the limit rather than the gain, and the two carve-outs with dates attached.
32 min read, updated September 2026
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