Excellent! I fired up 2018 TT today, and loaded the latest updates. Will do the "what if" tomorrow and other methods you suggested as well. Many thanks for the reply. As of this point we have vastly reduced incomes. I draw Social Security, and my wife retired from a part time job with her pay ending in August. Our $3k/mo draw from other accounts had us in an effective tax rate of 3.2% in 2018. I'll do some homework in TT and drop you a quick note as to the outcome. Again, thanks!
