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Greetings, Jojomac, and welcome. You asked:

So why bother with the work after retirement bit at all, unless you know you won't need to earn more than $10,680?

And that's the point of the article. Unless you really enjoy it, there is very little sense in working beyond the nonforfeiture point save self-satisfaction. The incremental increase in net income certainly doesn't provide a valid reason for most.

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