Just retired in early September. How soon can I expect my tax rate to change (be lowered) when it comes to applying for loans or grants/scholarships for my daughters going to college next year? Hoping to have them look at our new income level of just my SS and pension income, which I assume is taxable, and my wife's income who is still working, without any investment distributions from my accounts yet, versus the prior when I was working with a higher salary at a higher tax rate.
