<prompt> Human: Ok so say when I finally retire with no job and am ready to withdraw from my traditional IRA account. Since I have 0 income, am I taxed at 0? Or do I get taxed on the progressive tax bracket system 10 for first 9K, then 15 till 38K?  <response>: What you withdraw will be taxed at whatever the tax brackets are at that time. What you withdraw is your income. 