So I am most likely going to leave my job this year (cue the roller coaster of emotions from elation to terror). One of the things I am excited about is dropping down to the 15% federal tax rate. Between the married filing jointly deduction, traditional ira's, sep ira and 403b contributions, I think I can squeeze under the limit...as they are now anyway ; ) So if I get to the 15% rate does that mean that the dividends in my taxable account do not get taxed? This seems to good to be true.