Yeah good point, this will make a dent if most/all of their $ is coming from a 401k. Hopefully they have other sources to pull from to lower their taxable inco

Yeah good point, this will make a dent if most/all of their $ is coming from a 401k. Hopefully they have other sources to pull from to lower their taxable income (and tax bracket). And at least there is the standard deduction. And maybe no state income tax.