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and, about SS, I think Jan will earn enough money this year as to not qualify for all of her (reduced) benefit anyway

in terms of break even point, I actually don't think she will live that long. her parents have (now 86 and 90) but Jan is very inactive and is overweight, so if she even makes it to 82, she probably won't make it much passed that point. SS is actually quite small, since she is WEP'd. her pension from when she was a school teacher has been coming to us for years already.

in MA
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