Taxes on IRA withdrawl question

[OnionPatch]

22. Ok, so I just saw at the SSI site that IRA withdraws don't count as income when determining benefits

But the IRS does count it for tax purposes. Yep, that's the whole problem. I'm getting a lot of benefits by staying below a certain income. I'm too young for Medicare so I'd also hate to lose my subsidy for the ACA. I'm sorry that happened to you.

I guess if I'm going to use any of the IRA money, I could pay just a small extra amount on the mortgage each month but not enough to raise my "income" too much. I probably have a little bit of wiggle room there and a little each month might make a difference in the long run.

My problem is that I always imagined having my home paid for at this point in my life, so it wouldn't be a major expense. But I see now that it's not that simple and I appreciate all your input and sharing your knowledge. I've been trying to learn more about all of this. I probably should have done that before I retired, but life circumstances....you know.