Again. Thanks you for your foresight and advice about not trying to avoid IRMAA for the sake of future tax planning.
Indeed I am seeing our RMDs ballooning the past years like you said as we aged.
I have been telling my wife earlier: look like your money in the 401K will never dry out. You took some last year and it grows back again.
I shall be trying to grow our Roths instead of IRA/401K.
Thanks again for that new strategy!! You gave the best advice.
