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I'M RETIRED AND THE ONLY INCOME I HAVE IS A MONTHLY WITHDRAWAL FROM AN INDIVIDUAL RETIREMENT ACCOUNT (IRA). I PAY INCOME TAX ON THE AMOUNT WITHDRAWN. I PLAN TO APPLY FOR SOCIAL SECURITY BENEFITS IN THE FUTURE. WILL THE MONEY WITHDRAWN FROM MY IRA BE CONSIDERED "EARNINGS" THAT COULD POTENTIALLY REDUCE MY MONTHLY SOCIAL SECURITY BENEFITS?