 Or you might want to consider doing Roth conversions before collecting Social Security to reduce what you have in pre-tax taxable accounts later on in life. But for many people, it's really not possible to totally avoid taxes on Social Security benefits. But for some, they can be reduced either a little or a lot. But like I said, for a lot of people, and it gets to be less and less with those numbers staying the same, that $25,000 and $32,000 threshold, it's getting harder and harder, I would say, to