 OK, so again, it's more likely that you're not going to see the W2 income, but the income coming from basically these other sources. Let's bring the income down below a threshold so that now it might be taxed at a lower rate. So let's say the income was only like 20,000 or something. So let's go back on over and let's imagine that the wages income, I'm going to bring that down from here. And let's say they just got some money from a pension plan or something like that. So we're going to say pension income. And I'm going to say this is 1099R that they got. And it's going to be a normal distribution. And let's say that they got like 20, let's say 15,000 here. Taxable amount, 15,000. And then on the social security, let's bump up the social security a bit. Social security benefits, let's say they got 10,000. Social security. OK, let's make it 5,000, 5,000. OK, make up your mind. Make up your mind. OK, that's what I want to do. So now I'm still looking at the form 1040, although the 1040 SR would be like the form typically used over the threshold of 65. So we've got single. We've got the born before January, whatever. And then down here, now we've got our income coming from the pension and annuities and the social security benefits, none of it's being taxable. And you can look at the worksheet right here. It's because they're below the threshold, and you can get an idea of the income thresholds. But that's going to be, and I won't get into the weeds on that, but you can get into the weeds on that to see the calculation on how the worksheet is being put together. So if I was to mirror that on this side, I'd have to say, OK, income, no W2 income. They got a pension income that I said was $15,000, I think. And then they've got the social security of, what did I say, $5,000. But now it's none of it's taxable. They're not taxed at the 85%. So I'm just going to rely on the software to say that zero of that is taxable. And that's putting the zero down there. So that gives me the 15 up top. So the 15 brings it down to the 300 and so on. So I won't go from there. Now let's increase this a little bit. Let's bring it up to like $25,000. Let's say this was at pension 25. $25,000, let's say, movie B to the N. So now a portion of it is being taxed, right? $1,250. So now we're at $1,250 divided by $5,000. It's pulling in 25%, right? Let's pull it up to, let's pull this amount up to like $30,000. $30,000, $30,000. And see what that does. Going back on over now, half of it, right? So it's going to be $25,000 divided by $5,000. What? K, the heck? Paso divided by $5,050. And now let's bring it up to, I think it's like $34,000. $34,000. And so now it's still at 50%. Let's bring it to actually, I didn't do it here, $34,000. $34,000. So now it's getting pretty close. Pretty close, though. To the full amount here, 85%. So now we're at $4,250 divided by $5,085%. So it's a pretty low threshold still, right? And then if I go up this as high as I wanted to, it should stick at that 85% of the income, right? If I brought this up to $100,000, $100,000, we're still sticking there. And so that's the general kind of curve that you want in your mind. So when you explain it to people, you're like, yeah, you probably have to include an income like 85% unless your income is relatively low. So it's $4,250 divided by $5,000. Now, if they were a married couple, a married couple would find man-turning tricks. Then, of course, you might have social security from two people, right? So then I could go back on over and say, now they're married, file and join. And then on the income side, let's say we had the social security benefits 5,000 from one spouse and 5,000 from another spouse. And so now that's going to be pulling in to the box of $10,000, and 85% is being taxed at this point. If they were married, then you could bring the thresholds will be a little bit different to determine how much will be taxable. So if I went back on over and I went to my pension income and I bring this down once again to $30,000, $30,000, and I go back on over and say, OK, now only 1,500 is being taxable, 1,500 divided by 10,015%. The thresholds are a little bit different as you would expect from married, filing joint. If I bring it up to like 40,040,000, then now we're at the 5,850 divided by 10,000. Which is 58%, and then if I bring it up to like, I think it's like 44,000, 44,000, and pull it on over. Pull it on over. Now we're at that 85%, 85%. So it's still a fairly low threshold, but obviously the threshold differs for married, filing joint versus the single threshold. So there's the general idea that you want to have in your mind with regards to the social security. So remember that you also kind of, you probably want to get a general concept of what the social security is doing. You're pulling it in from the W-2 when you pay it. It's social security or payroll taxes different than basically the income taxes. You're paying it in with your payroll taxes or with your self-employment taxes. And the amount that you pay in is going to be causing the amount or contribute to the calculation of how much benefits you're going to get in retirement. And then when you get the benefits in retirement, it possibly could be included in income and generally will be included in income up to like 85% unless your income is taxable income is relatively low. That's kind of the scenario you might want to have.