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Thank you for answering that.  When I was employed (W2) and made $10k, it was so little that I got back everything they took out for SS & Medicare PLUS I got back my EIC.  So it's the exact same amount of money whether employed or SE and instead of getting back about $800 this year, I have to pay $450.  I get the math, it just baffles me.  Since I personally didn't pay for SS & Medicare, I didn't realize my employer, who is now me, still had to pay it.