You asked if I live on SS. Since you have seen and replied to previous posts of mine, I suspect you asked the question sarcastically and not out of stupidity, but I will answer it anyway. My SS probably pays my utility bills which include electric, gas, water, tv, internet and phone, nothing else. Everything else is paid from personal income. Personally, I have been quite fortunate. My net worth has gone up in the past 3 years at least 30% due to my choice of investments. You say the tax code "is what it is" (maybe we need a definition of the word "is"). I would say it is what it SHOULD NOT BE! I guess that if I was as smart as Bill was I would not give a damn what the tax code is, you think?