Working. Going over the cliff means the SS cola would not go to chained CPI - even though I would accept that small future reduction. Otherwise, there's not much difference between the concessions already offered (and rejected) than going over the cliff - about $1K difference between the 2 options for me. So even though it means slightly more taxes out of my pocket, I'd prefer to go over the cliff if it is for the long-term good.



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