Thanks for your reply. My wife and I are retired, receiving Social Security, both have small pensions from work, some interest income, no large investments or rental income. Our 2023 AGI was less than $20,000 and effective tax rate was 0. The RMD for 2024 is $22,620 and I'm waiting toward the end of the year to take it. Does that help with being able to make a guess of how much federal tax should be withheld? Thanks
