[Sooner or later]

In 3 years I haven't paid a dime on my social security benefits.

I make 40k this year from SS. Half of that, 20k, added to any other taxable income must be less than 25k to avoid taxes on SS.

So, I pull under 5k a year from taxable sources (non IRA interest/div, withdrawals) and then for any other additional financial needs I withdraw from my Roth which is not used in the SS taxable calculation.

I will be paying taxes this year since CLR went private and I my stock was a forced sale. Nearly 200k in cap gains hit this year. Chit happens.

Be smart. Plan ahead. Save money.