Yes, i should have included this would be for an individual, when doing some tax planning: "I should just calculate the amount of overpaid SS tax and treat that as a credit on the tax side?" The same as what is done for Medicare overwithholding and S Corp shareholder self-employment health.

"that program is severely lacking and mostly deals with very basic things or gives half-truths/incomplete information."

I've taken a look through it and it is missing a lot of the nuance, consideration for the circular references, the "unusual scenario" such as one person might have two employers (a doctor gets paid through their practice and through a hospital), etc.

Remember "plan" is a 4-letter word.

I was just listening to a call-in show where the couple is expecting quintuplets. No one starts out planning for quintuplets, I imagine.