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$32,000/year is NOT a "small pension"! Ye gods! We live mostly on our combined Social Security payments, plus a few thousand I take in dribs and drabs from my IRA, as needed.


My husband gets a pension of $500 from an employer he left 12 years ago. We consider ourselves grateful that he got anything in the way of a pension. Added to our SS and the draw down from our 401K, we are able to survive.
$32,000 pension is a lot of money in my book.
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