BobKamman
Level 15
a month ago
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You might qualify for the Nonfarm Optional Method.
https://www.irs.gov/instructions/i1040sse#en_US_2023_publink100046084
I used this once for a client who had worked her entire career in the federal Civil Service. After she retired, she dabbled in real estate, usually selling one or two listings a year. In her 70s she needed a few more quarters, and this worked. She lived into her 90s, collecting about $55 a month.