How Much Can a Retired Person Earn Tax‑Free in 2025?

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How much can a retired person earn without paying taxes in 2025, and how do Social Security, IRA withdrawals, and capital gains interact? In this video, we'll break down filing thresholds, the age-65+ standard deduction, when Social Security becomes taxable, state rules, and smart strategies to stay below key tax lines.

We'll cover:
2025 filing thresholds for retirees by status and age, including the extra standard deduction for 65+
How “combined income” makes Social Security benefits taxable (0%, up to 50%, or up to 85%)
Which states still tax Social Security and why it matters if you move
How Roth vs. traditional IRA withdrawals impact taxable income and Social Security taxation
Timing tactics, capital gains harvesting at 0%, and small Roth conversions
Practical coordination examples and a step-by-step checklist to build your plan

Chapters:
00:00 – How Much Can a Retired Person Earn Without Paying Taxes?
00:49 – Can Retirees Ever Stop Filing Taxes?
02:05 – Are Social Security Benefits Taxable?
03:18 – States That Tax Social Security Benefits
03:54 – How Much Can a Retired Person Earn Without Paying Taxes?
04:38 – Strategies to Stay Below Key Tax Lines
05:25 – Practical Coordination Examples
06:25 – Checklist to Prepare Your Plan
07:06 – Conclusion and Summary
07:35 – Connect with a Vetted Financial Advisor

Ready for a coordinated plan around Social Security, IRA withdrawals, and year-by-year tax thresholds?

Connect with a vetted financial advisor: https://smartasset.com/retirement/fin...

Read the full guide: https://smartasset.com/retirement/how...

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Question for you: Will you file even if you’re under the threshold, File or Skip, and why?

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