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@mmusmanno as other have stated, 

 

the 'clawback' only occurs if YOU are under your Full Retirement Age (FRA) and only is determined based on YOUR EARNED Income.  Your spouse's EARNED income has no baring on this.

 

Separately, if you were to file SEPARATE and you live with your spouse, 85% of your SS would AUTOMATICALLY be subject to income tax.  a Very Bad Deal!