How can you avoid taxes Social Security Income?

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1) Delay collecting your benefits

If you wait receiving your Social Security payments until you reach full retirement age, you may be able to avoid paying taxes on them.

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When you wait to file for benefits, you will receive a higher monthly payment when you do.

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2) Work less or do not work in retirement

Working part-time may increase your Social Security tax liability. It's not a good idea to quit a job you like — or need — just to save money on taxes.

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If the job is a low-wage pain in the neck with only a minor financial benefit, resign so you can reduce your income and lower or eliminate Social Security taxes.

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3) Avoid Municipal Bonds

Many people use municipal bonds to reduce their tax liability. Interest on these bonds is frequently exempt from taxation.

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However, Municipal bond interest  is considered into the formula that determines whether Social Security benefits are taxed.

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4) Withdraw money from ROTH account

In retirement, Uncle Sam will tax your normal IRA or 401(k). After years of deferring taxes on donations, you must now pay when you take funds.

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Avoiding this taxation is possible by withholding only the amount required by law — known as the "necessary minimum distribution" (RMD).

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5) Distribute RMD to charity

It's wonderful to give to charity. By assisting others, you can lessen the risk that your Social Security check will be taxed.

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If you are at least 70.5 years old, you can give up to $100,000 of your yearly statutory minimum distribution and avoid income taxes.

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