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Let's get real here.
For MFJ, SS is not taxed if your taxable income is below $32,000
Between $32K & $44K it's taxed 50%.
Above $44K it's taxed 85%.

Unless you retire dirt-poor, your SS is going to be taxed at 85%.

Do you *really* want to have such a low income?

My 76-year-old mom is right around $44K a year. She lacks for nothing, has a paid off home, chooses to live simply and frugally, and has no problem at all living on that.

And that incomer includes over $10,000 in RMDs that she merely pulls out of an IRA and into a taxable account, never touching it.

Depending on how your life is configured and what your debts and expenses are, $44K isn't necessarily a "low income" lifestyle.

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