Example 1: You currently have $20,000 of Social security benefits and no other income.
$32,000 -10,000 (half of your SS) = 22,000. You may add $22,000 of capital gains or other income and your SS will still not be taxable
Example 2: You currently have $20,000 of Social security benefits and $12,000 in RMD.
$32,000 – 12,000 (RMD) – 10,000 (half SS) = $10,000. You may add $10,000 of capital gains or other income and you SS will still not be taxable
