@Opus 17 -
As a member of the Baby Boom generation, we have been conditioned to "defer, defer, defer' money into our 401(k)s and IRAs, but that can create a 'time bomb' where the income streams created by pensions, RMDs and Social Security leaves one paying IRMAA for the rest of our lives. That is exacerbated by those who are inheriting these non-beneficial IRA's from their parent's passing and the new 10 year rule.
attempts to defer even more money (e.g. $27,000 per year in the example) can come back to haunt with a higher effective tax rate later when incorporating the impact of IRMAA..
In the short term, the example can make a level sense, but it the long term, it may not.
this is an excellent series of the issue:
https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-b...
it is complicated and not for the faint of heart
