Quite a bit of planning people will do now as you point out $94,000 in AGI garners an estimated $236/month credit but $94,001 is nothing. And a $50,000 AGI is a $700/month credit.
Pay off the home, reduce your income or multi-year hit your income (until mandatory withdrawals.)
Now, how to semi-retire and restructure my income so that I have $50,000 of realized AGI while not reducing my standard of living. 🙂
