I received a letter from Social Security saying that according to the IRS I made $125,000 in 2018. Therefore my Medicare payments will increase significantly.

Hmmmm. I only have two sources of money in my retirement...and combined they come out to not much more than half that. What gives?

Seems I took out money from a 401K to buy a camper. Since this was untaxed, I pulled out enough to cover the tax bite. IRS considers this income even though it is used to pay taxes. Seems fair???

Here’s the deal. A single person can only make 89,000 dollars. After that...Medicare gets more expensive. Mine went from about $60/ month to $ 249.

So, I tried to explain to the social security agent this was a one time deal...not happening this year. His response...tell it to the IRS.

Words cannot describe how much I hate dealing with government.

So in hindsight, you should have taken out a loan for the RV and then made extra payments on it each year by taking funds from your 401(k) plan but not enough to exceed $89,000 total income.

Here is a link to the Medicare page showing the premium amounts as a function of income (2 years prior).

Medicare Part B Premiums

Then there is the little issue of paying income tax on of up to 85% of SS earnings and it not that much extra income that triggers the tax.