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Pay attention to how you pay your income taxes. DON'T do what Mrs WD and I did last year. We filed as married filing separately due to her wrapping up her business. That automatically put us in the highest Medicare cost bracket. It cost us $400+ per month. Medicare is slowly paying it back on some schedule that I cannot figure out. I'm getting credits of $56, $89, $226 etc. It seems to be random.
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