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[quote=Anonymous][quote=Anonymous]OP here. Hope this will clarify. As a self-employed person, my cash flow works differently than an employee. I get quarterly distributions, which are used to in its entirety to pay federal taxes, and I also lay a lot of state taxes due to individual and partnership circumstances. It’s apples to oranges to some extent, but the $18-20K is my gross monthly distribution before retirement contributions, 529, healthcare premiums), etc. Keep in mind there’s no match. That is why I used that number. Hopefully that helps. In any event, a $10K mortgage on $20K still seems untenable?[/quote] DP. She also pays the entire Social Security tax, so 12.4% not 6.2% of income like employees do.[/quote]
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