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I am listing the pros and cons of pre-tax 401(k)/IRA (a.k.a. traditional 401(k)/IRA) vs. Roth 401(k)/IRA, in addition to what I read on choose Roth 401(k), or traditional 401(k).

One of the questions that came from it is: what are the pros and cons of having a higher taxable income during retirement? (aside from the tax paid on the income from the pre-tax 401(k)/IRA)

For example, I read on https://www.schwab.com/resource-center/insights/content/roth-vs-traditional-401-k-which-is-better (mirror) two downsides of having a higher taxable income during retirement:

  • Increase [...] taxes on Social Security benefits.
  • Could also increase the costs of your Medicare B premiums (mirror) in retirement.

What are other pros and cons of having a higher taxable income during retirement? (I'm aware that there could be no upside)

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