Why $100K in Retirement Isn’t the Same as $100K Salary

Описание: Book a FREE call here: http://www.gettimewithjason.com/

Most people assume that $100,000 of income is taxed the same way in retirement as it was during their working years. But in reality, $100,000 of retirement income can create a very different tax outcome than $100,000 of salary.

In this video, I break down why retirement taxes feel more complicated, why they often catch retirees off guard, and how multiple income sources—like Social Security, 401(k) withdrawals, IRA distributions, pensions, and investment income—interact in ways your paycheck never did.

We’ll cover:

• Why salary income feels predictable and retirement income doesn’t
• How traditional 401(k) and IRA withdrawals stack on top of other income
• Why Social Security can become up to 85% taxable
• How pension income permanently raises your tax baseline
• The impact of dividends, capital gains, and taxable brokerage accounts
• Why withholding changes in retirement can create surprise tax bills
• How income levels can affect Medicare premiums and IRMAA thresholds
• Why two retirees with the same $100,000 income can owe very different taxes

Retirement tax planning isn’t just about how much income you have—it’s about where it comes from, how it’s structured, and how those pieces interact year to year.

If you’re approaching retirement and want your income strategy to feel predictable instead of frustrating, it’s important to understand how these tax layers work together before you make withdrawal decisions.

If you’d like help designing a retirement income plan that focuses on tax efficiency, Social Security coordination, and long-term predictability, you can schedule a conversation at www.GetTimeWithJason.com
.








#retirementtaxes #retirementincome #socialsecuritytax #401kwithdrawals #irataxes #medicarepremiums #irmarules #taxplanning #retirementplanning #taxefficientretirement #retirementmistakes #pensionincome #investmentincome #capitalgainstax #retirementstrategy #financialplanning #pretirement #retirementreadiness #taxstrategy #incomeplanning