>Dale,
>
>>Working as an independent, I pay the full 15% Social Security and Medicare. I believe the cutoff is $85,000. I also pay 10% self-employment tax.
>
>You're paying too much if the above is true. :-) (Self-employment tax IS the full SS & Medicare almost-15%).

Yes, you're right. Don't know what I was thinking:)

I replied a correction to Pat.