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Help, I’m confused. The way I read the blog it’s saying that the first $19,000 you make is tax free. I’m assuming this is referring to capital gains, since the first tax bracket for earned income is 10%, not 0. Also, distributions from an IRA in retirement count as income and therefore are subject to income tax, they don’t count as LT CG. Please point out what I’m missing. I’m trying to figure out whether to invest in an IRA or Roth IRA. Last year’s gross income was 54k, but thanks to interest deductions, actual tax rate was more like 8%. Any advice? I probably won’t be in the next tax bracket for quite a while, sadly