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Everything new from RetireTaxGuide, newest first — deep dives, notes, and updates. Looking for the step-by-step explainers? Browse the guides.
The 2027 federal tax numbers just dropped. Here's what they mean for your money.
The Internal Revenue Service (IRS) just released 2027 tax brackets, standard deductions, and capital-gains rules — joining new numbers for Health Savings Accounts (HSAs) and Social Security. I read the whole thing so you don't have to. With charts.
Roth conversions before 65 have a hidden second price
Filling a low bracket with a Roth conversion looks free — until you remember marketplace coverage is means-tested. At 300–400% of the federal poverty line, losing an ACA subsidy can add roughly nine points to your effective marginal rate.
IRMAA cliffs: the Medicare surcharge that arrives two years later
A single dollar over an income threshold can raise your Medicare premiums by hundreds — and the bill shows up two years after the income. Here's how the tiers work and where the real cliffs sit.