@BobKamman and I thought I was being clever with an IRA contribution.  Thank you!  Your suggestion to deduct the Medicare Premiums was genius and got rid of the SE Income.

@qbteachmt - I can't disagree with you there.  The client had the SE income for a dumb reason & I wanted to get rid of as much of it as I could.

@linette - Thank you for taking the time to re-enter the data to try to recreate the situation..

I believe the numbers are correct now.

Thank you all very much. ❤👍