By Karin Price Mueller | NJMoneyHelp.com for NJ.com Q. I was unemployed and then I retired. I’ll have three sources of income — unemployment, a pension and 401(k) withdrawals. I file taxes married filing jointly, as long as we keep our income under $100,000, then we won’t owe New Jersey anything? When would someone pay estimated quarterly taxes to New Jersey? And what happens if we do go over $100,000 but we didn’t pay estimated taxes? — Taxed enough A. We hope your new retir

By Karin Price Mueller | NJMoneyHelp.com for NJ.com Q. Suppose the sole beneficiary of an IRA on the date of inheritance is categorized as a “non-eligible beneficiary” for the stretch provision, yet becomes disabled or chronically ill during the ten-year payout period. Do they then become eligible for the stretch payout of undistributed funds? — Curious A. Yours is a great question. The SECURE Act — Setting Every Community Up for Retirement Enhancement of 2019 — changed the w

By Karin Price Mueller | NJMoneyHelp.com for NJ.com Q. Suppose the sole beneficiary of an IRA on the date of inheritance is categorized as a “non-eligible beneficiary” for the stretch provision, yet becomes disabled or chronically ill during the ten-year payout period. Do they then become eligible for the stretch payout of undistributed funds? — Curious A. Yours is a great question. The SECURE Act — Setting Every Community Up for Retirement Enhancement of 2019 — changed the w