<prompt> Human: Will be starting an IRA in the near future as I am getting finances in order. Do retirees take low wage jobs to reduce their tax bracket and therefore reduce the taxes on the traditional IRA withdrawal? If an employee is making a lot of money and wants to retire without a huge tax can they just take a low paying job for a little while? Must they be making this amount of money for some time?  <response>: The tax rate of your traditional accounts have nothing to do with how much you made in the years before you withdraw. 