@NCperson It is only a "Simple Excerise" if you are OK with just "taking a stab at it" and possibly leaving 10's of thousands of dollars on the table for the IRS to collect. You sugggest that I decide "What I can stomach" as a tax bracket NOW. That is missing the whole point that the tax bracket in the future may be even higher. My plan is to do the hard work to find, if not the perfect solution then at least a very good solution by understanding my options and making an informed decision on how much to pay in taxes now to avoid paying even more later. Done this way, it is not a simple question at all. It does involve many factors including the IRMAA that you mentioned.
If anyone would like to team up with me to try to find the best solution we can, message me on here.
