Hello again Mitzi,
Thank you for the additional information.
If you are filing as married filing a joint return, the taxable income you report that is between $16,750 and $68,000 would be taxed at a rate of 15% for federal tax purposes. Luckily you live in WA which has no state income taxes, so federal tax is all you need to worry about.
What you also need to keep in mind is that the more you take out of your IRA account, the more of your SS benefits will be subject to tax.
Based on estimated interest income of $932, Military retirement of $20,796 and WA state retirement of $10,299, that gives you total income of $32,028 without your SS benefits. You may have up to $25,770 in other income before part of your SS is also taxable and you already exceed that amount by $6,258 with the income you have from other sources. So when you start adding your IRA withdrawals to your other income for the year, that will make the taxable portion of your SS benefits also increase.
The maximum amount of your SS benefits which can be subject to tax is 85%, so the most you would be taxed on of those benefits is $10,591. If you were already paying tax on $7,844 of those benefits, then you could easily hit the $10,591 mark by adding IRA withdrawals to your income. So you should plan on putting another 15% aside to cover the additional $2,747 of SS benefits that might be subject to tax.
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Thank you Mitzi