感谢楼下 acac 的 帖子 “AI on traditional IRA to Roth conversion”
https://bbs.wenxuecity.com/tzlc/2161306.html
感觉可以按着AI提供的思路， 按自己的情况计划一个“Yearly Conversion Table”
不过， 我有个问题
===
Your Annual Conversion Plan (Starting After Retirement):
Establish a Baseline Income: Let's say in retirement you have $50,000/year in other income (pensions, dividends, etc.).
Choose a Target Bracket: You and your advisor might decide that paying a 24% federal tax rate is acceptable to avoid a 35% or 37% rate later. The top of the 24% bracket is $383,900.
Calculate the Conversion Amount:
Target Income: $383,900
Subtract Other Income: -$50,000
Subtract Standard Deduction (Married, 2024): ~$29,200
Annual Conversion Amount: ~$304,700
====
为什么是减去Standard Deduction (Married, 2024): ~$29,200？ 不因该是加上它吗？？
感觉上AI不会错。 但为啥要把“Standard Deduction” 加回去哪？？？
