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	<title>Mullooly Asset Management</title>
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	<description>Fiduciary Fee-Only Financial Planner  &#124; Investment Advisor in Wall, NJ</description>
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		<title>What Is A Sinking Fund?</title>
		<link>https://mullooly.net/what-is-a-sinking-fund/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 10 Jul 2026 17:16:14 +0000</pubDate>
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					<description><![CDATA[What Is A Sinking Fund? The sinking fund: the simple way to plan for expenses you know are coming. In this video, we cover what is a sinking fund.  And how is it different from an emergency fund? &#160; &#160; Take-aways: A sinking fund is a bucket for expenses you know are coming — but [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">What Is A Sinking Fund? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[What is a sinking fund?]]></media:description>
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		<title>It&#8217;s Not Luck. It&#8217;s Planning.</title>
		<link>https://mullooly.net/its-not-luck-its-planning/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Thu, 02 Jul 2026 18:51:03 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91847</guid>

					<description><![CDATA[It&#8217;s Not Luck. It&#8217;s Planning. &#8220;It&#8217;s not luck, it&#8217;s planning&#8221; has been the line this firm has run on for 24 years. Tom came up with it back in 2002 — and he&#8217;s spent every year since watching it prove true. From the outside, a lot of financial outcomes look like luck. &#8211; Someone retires [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">It&#039;s Not Luck. It&#039;s Planning. | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA["It's not luck. It's planning." has been the line this firm has run on since 2002. What may appear as luck is often the result of planning ahead.]]></media:description>
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		<title>DIY: Should You Be Managing Your Own Money in Retirement?</title>
		<link>https://mullooly.net/should-you-be-managing-your-own-money-in-retirement/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Tue, 23 Jun 2026 17:00:16 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91793</guid>

					<description><![CDATA[Should You Be Managing Your Own Money in Retirement? DIY: managing your own money in retirement works until it doesn&#8217;t. Here&#8217;s why that&#8217;s usually worth a second look. Takeaways: &#8211;   As retirement nears, the money decisions pile up fast — and many are ones you&#8217;ve never had to make before. &#8211;   Withdrawal order, taxes, Social [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">DIY: Should You Be Managing Your Own Money in Retirement? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[DIY: managing your own money in retirement works until it doesn't. Here's why that's usually worth a second look.]]></media:description>
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		<title>Does New Jersey Tax a Qualified Charitable Distribution?</title>
		<link>https://mullooly.net/new-jersey-tax-qualified-charitable-distribution/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Wed, 17 Jun 2026 19:22:52 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91683</guid>

					<description><![CDATA[Does New Jersey Tax a Qualified Charitable Distribution? A qualified charitable distribution can provide valuable federal tax benefits. But the state tax treatment of a qualified charitable distribution is not always the same. In this (Part II), we explain why a qualified charitable distribution generally does not reduce taxable income for New Jersey residents. We [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Does New Jersey Tax a Qualified Charitable Distribution? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[A qualified charitable distribution can provide valuable federal tax benefits. But the state tax treatment of a qualified charitable distribution is not always the same.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/06/New-Jersey-tax-Qualified-Charitable-Distribution-part-II.png" />
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		<title>5 Facts About QCD Qualified Charitable Distributions!</title>
		<link>https://mullooly.net/5-facts-about-qcd-qualified-charitable-distributions/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 12 Jun 2026 19:49:40 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91671</guid>

					<description><![CDATA[5 Facts About QCD Qualified Charitable Distributions Qualified Charitable Distributions (QCD): A Tax-Smart Way to Give From Your IRA After 70½ If you&#8217;re age 70½ or older and regularly support charitable organizations, a Qualified Charitable Distribution (QCD) may be worth understanding. A QCD allows eligible IRA owners to transfer funds directly to a qualified charity, [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">5 Facts About QCD Qualified Charitable Distributions! | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Qualified Charitable Distributions (QCD): A Tax-Smart Way to Give From Your IRA After 70½]]></media:description>
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		<title>Your Beneficiary Form Decides Who Gets Your NJ Pension</title>
		<link>https://mullooly.net/your-beneficiary-form-decides-your-nj-pension/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 05 Jun 2026 18:11:06 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=87003</guid>

					<description><![CDATA[Your Beneficiary Form Decides Who Gets Your NJ Pension In many cases, beneficiary designation forms determine where assets like your New Jersey pension benefits, your retirement accounts or life insurance go.  This is regardless of what is written in your will. Here we discuss why beneficiary reviews are an important part of estate planning, common [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Your Beneficiary Form Decides Who Gets Your NJ Pension | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[In many cases, beneficiary designation forms determine where assets like your New Jersey pension benefits, your retirement accounts or life insurance go.  This is regardless of what is written in your will.]]></media:description>
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		<title>Part 3 &#8211; Stay NJ part III</title>
		<link>https://mullooly.net/part-3-stay-nj-part-iii/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 29 May 2026 18:52:04 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=86982</guid>

					<description><![CDATA[Stay NJ part III Stay NJ part III Changes in 2026 Stay NJ part III: This is our third video on this property tax program.  Hence the title, Stay NJ part III.  In this we cover Roth Conversions, Income Cliff, and Retirement Planning Risks. Should New Jersey residents age 65+ make near-term planning changes, like [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Part 3 - Stay NJ part III | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Stay NJ part III proposed changes may be coming to the Stay NJ program for fiscal 2027, and could be solidified in (as soon as) a few weeks.]]></media:description>
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		<title>Retirement Planning For Couples: The 74% You Can&#8217;t Ignore</title>
		<link>https://mullooly.net/retirement-planning-for-couples-the-74/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Wed, 13 May 2026 10:00:23 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=72524</guid>

					<description><![CDATA[Retirement Planning For Couples: The 74% You Can&#8217;t Ignore When we&#8217;re retirement planning for couples, there&#8217;s something worth thinking about. When statisticians say there&#8217;s a 74% probability of something happening, they don&#8217;t call that a risk to manage. They call that an expected outcome. And according to J.P. Morgan&#8217;s 2026 Guide to Retirement, a 65-year-old [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Retirement Planning For Couples: The 74% You Can&#039;t Ignore | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[When we're retirement planning for couples, there's something worth thinking about.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/05/Retirement-Planning-For-Couples.png" />
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		<title>3 Ways Retirement Could Affect Your Ability to Borrow Money</title>
		<link>https://mullooly.net/retirement-could-affect-your-ability-to-borrow-money/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 08 May 2026 19:47:36 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=72520</guid>

					<description><![CDATA[3 Ways Retirement Could Affect Your Ability to Borrow Money Retirement can change more than just your income stream. Your ability to borrow money could be impacted.  Certain financial tools and lending options may become less accessible once employment income stops, even if your overall assets are unchanged. Tom covers three areas where this can [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">3 Ways Retirement Could Affect Your Ability to Borrow Money | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Retirement can change more than just your income stream. Your ability to borrow money could be impacted once the pay check stops.]]></media:description>
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		<item>
		<title>Roth vs. Pre-Tax 401(k): What&#8217;s Better?</title>
		<link>https://mullooly.net/roth-vs-pre-tax-401k-whats-better/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Tue, 28 Apr 2026 16:22:05 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=66653</guid>

					<description><![CDATA[Roth Vs. Pre-Tax 401(k) If you’ve ever wondered whether to choose Roth vs. pre-tax 401(k), you’ve probably seen a lots of different opinions!  And not a lot of clarity. The right answer depends on how your taxes actually work, not what someone else is doing. Roth vs. pre-tax 401(k) is one of the most common [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/NUW-eON8V74" />
			<media:title type="plain">Roth vs. Pre-Tax 401(k): What&#039;s Better? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[If you’ve ever wondered whether to choose Roth vs. pre-tax 401(k), you’ve probably seen a lots of different opinions!  And not a lot of clarity.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/04/Roth-vs.-pre-tax-401k.png" />
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		<title>3 Questions For Your Stress Tested Retirement Plan</title>
		<link>https://mullooly.net/3-questions-for-your-stress-tested-retirement-plan/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 17 Apr 2026 20:41:35 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58377</guid>

					<description><![CDATA[3 Questions For Your Stress Tested Retirement Plan A stress tested retirement plan should do more than project average returns.  It ought to evaluate how your financial plan during retirement may perform.  We don&#8217;t suggest relying on (or expecting) steady returns!   A stress tested retirement plan has to test market volatility, rising (changing) expenses, and [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">3 Questions For Your Stress Tested Retirement Plan | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[A stress tested retirement plan should do more than project average returns.  It ought to evaluate how your financial plan during retirement may perform.  We don't suggest relying on (or expecting) steady returns!   A stress tested retirement plan has to test market volatility, rising (changing) expenses, and financial surprises that can disrupt your plans.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/04/Stress-Tested-Retirement-Plan.png" />
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		<title>New Jersey Estate and NJ Inheritance Taxes</title>
		<link>https://mullooly.net/new-jersey-estate-and-nj-inheritance-taxes/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 20:12:16 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58368</guid>

					<description><![CDATA[New Jersey Estate and NJ Inheritance Taxes New Jersey Estate Tax vs. NJ Inheritance Taxes: New Jersey Rules (and How DE, PA &#38; NY Compare) Estate planning often gets derailed by a simple misunderstanding: the difference between New Jersey estate taxes and NJ inheritance taxes. We clarify how each tax works, how they’re applied, and [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">New Jersey Estate and NJ Inheritance Taxes | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[So, no estate taxes here in New Jersey, but NJ inheritance taxes remains.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/04/New-Jersey-Estate-and-NJ-Inheritance-Taxes.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<title>5 New Jersey Retirement Tax Facts To Know</title>
		<link>https://mullooly.net/5-new-jersey-retirement-tax-facts-to-know/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Thu, 02 Apr 2026 21:00:16 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58359</guid>

					<description><![CDATA[5 New Jersey Retirement Tax Facts To Know 5 New Jersey Retirement Tax Facts To Know (and how NJ compares to PA, NY &#38; DE) Understanding state income taxes is a critical part of retirement planning—especially in a high-tax environment like New Jersey. In this video, we break down New Jersey Retirement tax facts to [&#8230;]]]></description>
		
		
		
		<media:content url="https://www.youtube.com/embed/IwoEmczuwYc" medium="video">
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			<media:title type="plain">5 New Jersey Retirement Tax Facts To Know | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[5 New Jersey Retirement Tax Facts To Know (and how NJ compares to PA, NY &amp; DE)]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/04/5-New-Jersey-Retirement-Tax-Facts-To-Know-1.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<title>Could You Owe Taxes When Selling Your Primary Residence?</title>
		<link>https://mullooly.net/owe-taxes-when-selling-your-primary-residence/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 27 Mar 2026 18:45:16 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58356</guid>

					<description><![CDATA[Could You Owe Taxes When Selling Your Primary Residence? The Primary Residence Home Sale Capital Gains Exclusion Hasn’t Changed Since 1997. Here’s Why That Matters&#8230;&#8230; We explain how the Section 121 home-sale capital gains exclusion, set in 1997 at $250,000 for single filers and $500,000 for married couples filing jointly, has not been indexed for [&#8230;]]]></description>
		
		
		
		<media:content url="https://www.youtube.com/embed/t-EoTA9PNKk" medium="video">
			<media:player url="https://www.youtube.com/embed/t-EoTA9PNKk" />
			<media:title type="plain">Could You Owe Taxes When Selling Your Primary Residence? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[It allows a homeowner to exclude up to $250,000 of gains on the sale of their primary residence - if they're a single filer.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/03/Could-You-Owe-Taxes-When-Selling-Your-Primary-Residence.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<title>Morningstar Update: The 4% Rule May Need Tweaking?</title>
		<link>https://mullooly.net/morningstar-update-the-4-rule-may-need-tweaking/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 20 Mar 2026 16:14:04 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58349</guid>

					<description><![CDATA[Morningstar Update: The 4% Rule May Need Tweaking? Referencing annual research from Morningstar, Casey discusses how much retirees can sustainably withdraw from their investments each year. Morningstar cites a &#8220;safe starting withdrawal rate&#8221; as 3.9% for 2026. This would be for a 30-year, set-and-forget retirement. Case explains the recommended rate changes with market and inflation [&#8230;]]]></description>
		
		
		
		<media:content url="https://www.youtube.com/embed/ivL6c3sCBa4" medium="video">
			<media:player url="https://www.youtube.com/embed/ivL6c3sCBa4" />
			<media:title type="plain">Morningstar Update: The 4% Rule May Need Tweaking? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Referencing annual research from Morningstar, Casey discusses how much retirees can sustainably withdraw from their investments each year. Morningstar cites a "safe starting withdrawal rate" as 3.9% for 2026.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/03/Morningstar-Update-The-4-Rule-May-Need-Tweaking.png" />
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		<title>3 Changes to the Stay NJ Program</title>
		<link>https://mullooly.net/3-changes-to-the-stay-nj-program/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 13 Mar 2026 19:33:29 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58344</guid>

					<description><![CDATA[The Stay NJ Program &#8211; part II &#8211; video 3 Changes to the Stay NJ Program The just proposed Fiscal Year 2027 budget presented by Governor Sherrill, contains several significant adjustments to the state’s property tax relief landscape, including changes to the ANCHOR Property Tax Relief Program and the Stay NJ program, which is the [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">3 Changes to the Stay NJ Program | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[The Stay NJ Program - part II - video]]></media:description>
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		<title>Surprising Trends Beneath the S&#038;P 500 So Far in 2026</title>
		<link>https://mullooly.net/surprising-trends-beneath-the-sp-500-so-far-in-2026/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 06 Mar 2026 17:01:59 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58338</guid>

					<description><![CDATA[Surprising Trends Beneath the S&#38;P 500 So Far in 2026 While the S&#38;P 500 index appeared relatively flat through the end of February 2026, we&#8217;ve seen some noticeable stock market volatility. In this video, Casey looks beneath the surface of the market to examine what’s actually happening within the S&#38;P 500 index. Data from Bespoke [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Surprising Trends Beneath the S&amp;P 500 So Far in 2026 | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[While the S&amp;P 500 index appeared relatively flat through the end of February 2026, we've seen some noticeable stock market volatility.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/03/The-S-P-500-in-2026.png" />
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		<title>Social Security Earnings Test: 3 Sources Affecting Benefits</title>
		<link>https://mullooly.net/social-security-earnings-test-3-sources-affecting-benefits/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 27 Feb 2026 18:00:40 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58331</guid>

					<description><![CDATA[Social Security Earnings Test: 3 Sources Affecting Benefits If you’re considering claiming Social Security early, understanding the Social Security earnings test is critical. In this video, we discuss the social security earnings test, who it applies to, and what income actually counts toward the limit. The Social Security Administration applies the earnings test to earned [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Social Security Earnings Test: 3 Sources Affecting Benefits | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[If you’re considering claiming Social Security early, understanding the Social Security earnings test is critical.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/02/Social-Security-Earnings-Test.png" />
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