[count-your-change]

Since you'll be getting no COLAs for two years (will your cost of living remain static?) you can hold your head high as you've made enough sacrifice. Cheers!

[Eric in the Ozarks]

I thought I should probably file early since the entire program is likely to be scrambled in the next few years. All my investments are liquidated and my 401 Ks have moved out of stocks and into conservative bonds throwing off +/- 5 percent interest.

With the wonderful check from SS, an occasional brokerage deal (kept under the $14,160 limit) I can do OK.

I have a couple of books backed up in mind to write and I like to get up early.