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Accessible Finance Episode 70: How Do We Handle Taxes With Such Different Income Brackets?

EPISODE · Mar 16, 2025 · 26 MIN

Accessible Finance Episode 70: How Do We Handle Taxes With Such Different Income Brackets?

from Accessible Finance For Retirement · host Eric Johns CFP®, EA, MBA with Equilibrium Financial Planning

In this episode, we answer the question: "I just retired, but my spouse is still working. How should we handle taxes now that our income brackets are so different?" Ultimately, Filing status matters, the impact of retirement income needs to be assessed, and withholding adjustments should be analyzed. For retirees not yet taking income (aka waiting to draw on SS and not required to take RMDs), there are planning opportunities in roth conversions, harvesting capital gains, and/or delaying social security to increase benefits and reduce taxable income. We discuss the various pros and cons of different planning opportunities🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to [email protected]—we’ll keep your information completely anonymous!📢 Don’t forget to like, subscribe, and share with friends who could benefit from smarter retirement planning tips!

What this episode covers

In this episode, we answer the question: "I just retired, but my spouse is still working. How should we handle taxes now that our income brackets are so different?" Ultimately, Filing status matters, the impact of retirement income needs to be assessed, and withholding adjustments should be analyzed. For retirees not yet taking income (aka waiting to draw on SS and not required to take RMDs), there are planning opportunities in roth conversions, harvesting capital gains, and/or delaying social security to increase benefits and reduce taxable income. We discuss the various pros and cons of different planning opportunities🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to [email protected]—we’ll keep your information completely anonymous!📢 Don’t forget to like, subscribe, and share with friends who could benefit from smarter retirement planning tips!

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Accessible Finance Episode 70: How Do We Handle Taxes With Such Different Income Brackets?

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Frequently Asked Questions

How long is this episode of Accessible Finance For Retirement?

This episode is 26 minutes long.

When was this Accessible Finance For Retirement episode published?

This episode was published on March 16, 2025.

What is this episode about?

In this episode, we answer the question: "I just retired, but my spouse is still working. How should we handle taxes now that our income brackets are so different?" Ultimately, Filing status matters, the impact of retirement income needs to be...

Can I download this Accessible Finance For Retirement episode?

Yes, you can download this episode by clicking the download button on the episode player, or subscribe to the podcast in your preferred podcast app for automatic downloads.

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