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Why are so many retirees suddenly paying taxes on their Social Security — and why does it feel like no one ever warned us? In this video, I break down when Social Security started being taxed, how a law from the 1980s quietly turned into a middle-class retirement penalty, and why frozen income thresholds created what many now call the Social Security “stealth tax.”
I explain the history behind Social Security taxation, how the IRS calculates taxable benefits using combined income, and why cost-of-living adjustments (COLAs) actually make the problem worse over time. Using real-world retiree examples, I show how modest pensions, small IRA withdrawals, and even tax-free interest can trigger higher taxes and Medicare premium increases. Most importantly, I share practical, frugal strategies you can use right now to reduce how much of your Social Security is taxed, plan withdrawals more wisely, and protect more of your retirement income. If you’re retired, nearing retirement, or helping aging parents navigate Social Security taxes, this video will help you understand the rules, avoid surprises, and make smarter financial decisions.
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