Subject: SS taxes
I know that cap gains are tax free if you earn less than about $96K per year (married filing jointly). But it still falls on your AGI, which affects your SS tax rate. Though it won't affect us since our combined dividends on investments already exceed the $44K limit (not by much, but it exceeds). So it looks like 85% of our SS income will be taxable. If I'm reading this correctly.

Which, given our determination that the lower-earning spouse taking it at 62 isn't a useful strategy any longer, we won't have to worry about for about 6 years.

https://finance.yahoo.com/news...