The Smiths have rental income that nets them $40k a year.
They also bring in $10k a year from hobbies.
Should the Smiths both take Social Security benefits now, they’d get 70.42 percent of their full benefit, or $23.1k a year.
All told, the Smiths could have $126.1k before taxes, putting them at the 84th percentile without having to work (beyond their hobby).
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