The only question I was pondering was just what income was involved in calculating the ~ 15000 ceiling. I now gather it is only the wife's income that is subject to FICA taxation, whereas I previously thought it would be ALL household income, since I always viewed early retirement benefits to be essentially welfare with lipstick, so disbursed as a matter of household need. So, thanks for that heads up.
We file complicated taxes every year (although a joke after seeing the picture of The Donald with his three or four foot stack,) understand that some SS is taxable income, and have no issues there.

