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Unlike people with fat pensions

Oh, good grief...

some of us have to live off our nest eggs. That nest egg will usually have 'excess income' which we will have to re-invest- or it automatically does like stock funds unless you specifically withdraw the cap gains distributions and the dividends during the year.

I 'take' out and us about 2/3rds of what I have to pay tax on...... the rest has to be re-invested if I expect my nest egg to survive.
Thus, SS is about 1/3rd of what spend each year.

I didn't ask what you spent, but what was income. When you were working you didn't spend all your income either, but that doesn't make the amount you saved not income.

by the time they take out my Medicare payment........and I have them take out some withholding........ if you figure 'net SS', that is an even smaller contribution to spendable money.

Of course you include the part that is deducted from SS to pay your Medicare premium--it's still income even if it's earmarked for a particular purpose. If you have your mortgage or 401k contribution deducted from your paycheck, it's still income. If you weren't collecting SS but were paying for Medicare because you were 65+, you'd be spending different income on Medicare. You wound't not count that income becasue it was going to Medicare, would you?
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