Retirement tax questions

Almost

...the effective tax on my forms it's the calculated tax divided by AGI  (Gross income, not taxable income) (OK...and then, x100 to get a %)

 

Some folks in prior years have found some other items that affect the "effective" rate, up or down some....but the number is just a handwaving thing to make you feel somewhat better anyhow.

____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*