Suze Orman Discusses Social Security Taxation and Retirement Planning

Suze Orman discussed financial strategies for retirement income, focusing on how different account types interact with Social Security benefits. Orman explained that the IRS uses a figure called provisional income to determine if Social Security benefits are taxed. She noted that a couple earning $95,000 yearly from three sources—$45,000 in Social Security, $20,000 from a 401(k), and $30,000 from a Roth IRA—can owe zero federal income tax in 2026.

The discussion highlights the importance of tax-advantaged accounts, noting that qualified Roth withdrawals are generally not taxed. Orman cautioned that relying on traditional 401(k) withdrawals without careful planning can lead to higher taxation on Social Security benefits.