Welcome to the Jill on Money Podcast. It is Friday, December 11th and we are here to hold

your hand, get you through whatever questions are on your mind financially, the best way to get in touch

with us is to send an email. Ask Jill at Jill on Money.com. Ask Jill at Jill on Money.

Don't forget to give us lots of details.

This is a question about backdoor woths from Jeff.

And he says, I listen to all the podcasts.

I appreciate what you and Mark do. You guys hit an area of

interest in early December when you talked about backdoor roths but there's one

thing I wish you had talked about. You detailed that going up to $172,000 would keep you in the 22% tax bracket.

The information that would also be good to have is the impact on Medicare surcharges.

Yes, you're absolutely right.

You know, it's funny, I talk about that

in other areas when I talk about required minimum distributions

and the benefits of converting to a Roth,

which is often that you can save yourself from that dreaded thing where you start

paying more for Medicare.

So Jeff, thank you for nudging me.

This is a very good thing.

There's something called Irma. I R-M-A-A-A- Income related monthly

adjustment amount and so when you have a certain amount of income there is like a

surcharge that you pay on your Medicare.

So for example if you're married filing jointly, right, and you have, let's say over, I'm going to just give you the over $2018,000 to

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