On a recent podcast, celebrity investor Suze Orman proclaimed that the best way to avoid this ‘tax torpedo’ was “to only have Roth retirement accounts — bar none,” effectively decreasing reliance on Social Security.For single filers with income above $34,000 or married couples above $44,000, up to 85% of Social Security benefits can be taxed. Even if your income is between $25,000–$34,000 (single) or $32,000–$44,000 (couple), 50% of benefits may be taxed. This affects 40% of beneficiaries, and your tax rate ...