Your Tax-Free Interest Can Still Raise Your Tax #shorts

Municipal bond interest is free of federal income tax. But when the IRS tests whether your Social Security is taxable, that interest is counted. • IRS Publication 915: half your benefits + all your other income, including tax-exempt interest • Our 2026 example: a married couple, both 65+, with $48,000 of Social Security and a $40,000 pension • Add $10,000 of muni interest and $8,500 more of their benefits becomes taxable • Their federal tax rises about $850 Hold muni bonds? Count that interest when you check your combined income. Full video: 401(k), Social Security or Pension: How Claiming Order Affects Tax https://www.youtube.com/watch?v=m-UIaaTzuvg 📘 The Last 10 Years Before Retirement (our book): https://unclejohnfinancial.gumroad.com/l/last10years 📒 Budget Planner Pro: https://unclejohnfinancial.gumroad.com/l/BudgetPlannerPro 🎟️ Code UNCLEJOHN30 for 30% off ⚠️ Education only. Not financial, tax or legal advice; we are not licensed advisers. Figures are 2026 federal rules unless noted; check the source or a qualified professional for your situation. 🎙️ Narration is AI-voiced (a synthetic voice, not imitating any real person). Research and sources: Uncle John Financial team. Sources: IRS Publication 915 (the combined-income test includes tax-exempt interest; Worksheet A, line D). The $8,500 and $850 are our own arithmetic on 2026 federal law for a married couple, both 65+, taking the standard and senior deductions (an illustration, not a forecast). Page shown in the video: IRS.GOV · PUBLICATION 915 https://www.irs.gov/publications/p915 #SocialSecurity #RetirementTaxes #MunicipalBonds #Shorts