I am anticipating this terrible problem after I turn 70 years old, which is still a few years away. Between my IRA RMD and starting my delayed social security benefits my income is going to be so high I am going to have to pay taxes!
TreeTired - don't know if you've hit 70 yet, but if not do you have any 15% bracket available that you could use to either start withdrawing from your IRA early or convert it to a Roth? This will help reduce your RMD.
-Susan, Former CPA