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todays video were going to shed some light on the trickiest variable in Roth conversion planning were going to be talking about medicares Irma now because nearly every retiree will be using the Medicare system this is a variable you cannot afford to get wrong lets get into it now for those that dont know what Irma is Irma is a Medicare mandate that if you show too much income you will have an increased premium when it comes to your part B as well as Part D expenses now Irma is something that you need to be thinking about as soon as you turn age 63. now for some of you that might be puzzling because you wont enter the Medicare system until 65. but Irma is a two-year look back and so the income that you show at 63 will determine the medicare premiums you pay at 65. now Irma is based off your modified adjusted gross income this adds back in things like tax-exempt interest from Muni bonds and you arent able to take things like the standard deduction from this modified adjusted gro
