Oh wow, wait… so you’re saying he wouldn’t pay any tax in retirement if his only income is SS + 4% or less withdrawals from the retirement accounts?

Just making sure.. SS for him would be ~$3400/mo, wife would be $1700, and 4% withdrawal is another $1kish a month. Is it really under the standard deduction amount making the whole thing tax free essentially?

So if that’s true, even the traditional IRA or 401k withdrawals will forever be withdrawn tax free if the above withdrawal pattern is followed?