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Brooklyn1948:

Shows you it's all relative.

Like you, we have NO pensions, really, just a $350/month one I get. Otherwise, all we have is our SS income and what I pull out of my carefully shepherded IRA when we need money.

I just found out that, though, that, per 1040 IRS Instructions, our income is low enough that we didn't even have to file federal tax forms AT ALL for the past several years (as suggested on this board)! I still have to check with our state people, though.

Good luck. Live carefully!

Vermonter
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