https://bbs.wenxuecity.com/tzlc/1480994.html
这篇博文以作者（L94607 ）的亲身退休体会讲明了，如果不小心规划，一个普通收入者的401K的钱拿出来时税率会比现在高很多！可能高达40%！
这样我们的401K的低税率策略不就完全失败了吗？
诸位看官，我们都需要细细思考这个问题！
如果只能记住一句话，这句话就是：拿了社保之后，每从401K取一块钱，社保的0.85元就需要交税！
五月18日更新：
这个英文网站比较详细：
https://www.investopedia.com/ask/answers/013015/how-can-i-avoid-paying-taxes-my-social-security-income.asp
这篇文章要点（KEY TAKEAWAYS）：
- Up to 50% of Social Security income is taxable for individuals with a total gross income including Social Security of at least $25,000, or couples filing jointly with a combined gross income of at least $32,000.
- Up to 85% of Social Security benefits are taxable for an individual with a combined gross income of at least $34,000, or a couple filing jointly with a combined gross income of at least $44,000.
- Retirees who have little income other than Social Security won't be taxed on their benefits. In fact, you may not even have to file a return.
- Your focus should be on paying less overall taxes on your combined income.
- A tax-advantaged retirement account like a Roth IRA can help.
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