10k is a reasonable guess for how much tax liability is needed, and it's not a huge issue, but it is an issue. Retirees and lower-middle income folks often pay

10k is a reasonable guess for how much tax liability is needed, and it's not a huge issue, but it is an issue. Retirees and lower-middle income folks often pay less than that each year, as do folks with even lower incomes who inherited their homes.