Retirement tax questions

And...to be clear since you mentioned your age more than once....your age has nothing to do with whether you need to file a tax return.   The need to file a tax return is determined by how much income you had and what kind(s) of income you had--no matter whether you are an infant or 100 years old.   If you had "side gig" income of over $400 from self -employment, you are required to file a tax return and pay self-employment tax for Social Security and Medicare, even if you do not owe any other ordinary income tax.

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