I'd do that too but the work penalty is too low.... I can make $13,000 part time teaching ! Glad I didn't take it - this spring I'll make > 1/2 that and if I teach next fall well - I'd be hittin the limit !

IF It weren't for that - like you- I'd do it - takes 20 years to break even - anything before that and you're ahead !! Even after 20 years, the losses are small til you get between 25-30 years. Should I be SOOO lucky !! wink
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David (OFI)