 You have a plan. You have a plan to overpay taxes to Uncle Sam, and becoming the perfect federal taxpayer is obviously not an accolade anyone's looking to accomplish. But at the end of the day, you're exposed to Medicare stealth taxes, 85% of your Social Security being taxed, Medicare Part B and D, which can be another $459 a month that's deducted out of your Social Security check. So one of the strategies I'll leave you with, which is not a shocker, is convert Part or all of your IRA to Roth IRA.