<prompt> Human: Ill preface this with This may sound really dumb but I dont know how it works.In the context of Traditional IRAs, you need to pay taxes when you start taking withdrawals, which is based on your tax rate. Is this tax rate based on:1. Your income right before you retire?2. A weighted average based on the years you contributed to it?3. Something else?Because if its the first option, based on income when you retire, what prevents people that are in a high tax bracket from quitting that job and working a low wage job to drop tax brackets in order to drastically reduce the taxes? What am I not understanding? How does it work?  <response>: 3.You pay taxes as you withdraw the money. They count as income for the tax year you withdraw them. 