What is “Provisional Income”?! (and how to keep it low enough to collect social security tax-free)

That’s because that is NOT considered “provisional income”. So you could take $100M out of a <a href="https://medium.com/@matthewrharris/implementing-a-66-000-mega-backdoor-roth-ira-with-your-401k-2ec2e8e88296" rel="noopener">Roth IRA</a> in a single year and STILL collect social security tax-free. The provisional income limits are fairly low so to achieve a tax-free retirement including your social security, you typically have to start <a href="https://medium.com/@matthewrharris/4-reasons-to-consider-paying-taxes-now-not-later-in-retirement-83ac20b2917f" rel="noopener">repositioning your money</a> before you start collecting social security. That’s why it often makes sense to <a href="https://medium.com/@matthewrharris/delaying-your-social-security-is-the-best-tax-free-retirement-strategy-the-taxable-spend-down-33e567401b3b" rel="noopener">delay social security</a> if you are trying to collect it tax-free. That will give you some additional time to move money into other environments that are not classified as “provisional income” in retirement <a href="https://matthewrharris.medium.com/what-is-provisional-income-and-how-to-keep-it-low-enough-to-collect-social-security-tax-free-6ab04d14fac8">Website</a>