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James, Also, please inform posters that when they begin receiving full SS befefit retirement, and althought they do not work, do not receive any additional income at all BUT their spouse is still gainfully employed with fairly lucrative salary, they will pay apx 1/3 of their SS in taxes. It stinks, but I've been doing that for 4 years now. It seems to be a well kept secret, until you retire.
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