Social Security and RMDs: The Tax Double-Whammy at 73

🎯 Free Hub: https://professorerica.com/ss • 🎯 Full Retirement Age: https://professorerica.com/ss-fra • 🧾 Tax on Benefits: https://professorerica.com/ss-tax - At age 73, required minimum distributions from traditional IRAs arrive whether you need the money or not -- and every dollar flows into the provisional income formula that determines how much of your Social Security is taxable. This video explains how RMDs and Social Security stack to push retirees into the 85% taxable tier, covers Qualified Charitable Distributions up to $105,000 in 2026, the SECURE 2.0 elimination of Roth 401(k) RMDs, surviving spouse treat-as-own elections, and the IRA aggregation rule. Watch the next video in the Social Security playlist. Source: P.L. 117-328 (SECURE 2.0), 26 U.S.C. Section 408(d)(8), IRS Publication 590-B.

▶ Watch next: Social Security While Working: Earnings Test, Income Tax, and FICA
https://www.youtube.com/watch?v=kjKKK7lZr0c

📺 Full playlist: Social Security (US - 2026)
https://www.youtube.com/playlist?list=PLlIAFxS296491LWfYsLp6anRyo6_DO_pI

Chapters:
0:00 The RMD Age Timeline: Seventy-Three and Counting
2:21 How RMDs Feed Into Provisional Income
4:15 Qualified Charitable Distributions: The Legal Workaround
6:00 Roth Four-Oh-One-K: SECURE Two-Point-Zero Changes Everything
7:34 Surviving Spouse RMD Options
9:06 The Aggregation Rule and the Twenty-Five Percent Penalty
11:23 Quiz Time

#SocialSecurity #SocialSecurityBenefits #retirement

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Disclosure

The avatars and voices in this video are AI-generated. All content -- research, scripts, lesson design, and the custom video engine -- is created by a CISSP, CISM, and PMP certified professional with a Master's in Project Management, a B.S. in Information Technology, and a Doctorate in Business Administration in progress.

This channel exists to make learning accessible and straightforward.

This channel is not affiliated with, endorsed by, or sponsored by the U.S. Social Security Administration (SSA), the Centers for Medicare & Medicaid Services (CMS), the Internal Revenue Service (IRS), or any other federal or state agency. All information is sourced from publicly available SSA, CMS, and IRS resources and is provided for educational purposes only. Benefit amounts, income thresholds, and eligibility rules change frequently — always verify with SSA.gov, Medicare.gov, or a qualified financial, tax, or elder-law professional before making decisions. Social Security: 1-800-772-1213 (TTY 1-800-325-0778) | SSA.gov | Medicare: 1-800-MEDICARE (1-800-633-4227) | Medicare.gov

Видео Social Security and RMDs: The Tax Double-Whammy at 73 канала Professor Erica