I've spent some time figuring out what are the key breakpoints for ACA subsidies and when to take SS (with an eye towards minimizing taxes by reducing work hours and IRA distributions) when I realized that I can give away as much as is needed to get at the efficient tax level. This feels much better than trying to minimize income. Silly, but so much easier, especially if there is paid work you enjoy. If you give, I recommend research via the Charity Navigator site.