Is it possible for an older spouse to avoid IRMAA while the younger spouse takes the income?
Let’s say that one spouse is 58 and the other is 63 and they are both retired. They can control which spouse receives the household income by having only the younger spouse withdraw funds from their IRA. Is it possible for the older one to avoid IRMAA for 5 years by filing federal taxes MFS and having the younger spouse take all of the IRA withdrawals? Is this a stupid idea or brilliant?