If you're 65 or older, the 2025 law added a temporary $6,000 deduction ($12,000 a couple) — on top of your standard deduction. See if you qualify and how to claim it.
Read the full breakdown — the 3 rules, the stack & the phase-out →

I'm Jeffrey Miller. I break down retirement money in plain English, based on official IRS and SSA guidance. This checklist is the same framework I use in my videos — no panic, no pitch.