Had my taxes done today and found that earning less money sometimes can make more money for us. Since I quit my part-time job last April and we're living on a pension and SS, our tax bracket dropped from 22% to 12%. I was surprised how much money we are getting back. I think it is time to reduce how much SS is taking out each month. Earn less money, make more money? Not quite but close! My wife immediately said 'cruise time'!