My husband died at 63 and 1 month old. He was collecting early retirement. I work 2 jobs and make about $56,000 a year. I just recently thought to check my W4 at my work. I had been married filing 1 exemption. I switched it to single 1 exemption. Now I net around $200 less a month. I feel like I lost my husband, his income and now it feels punitive. It feels like I'm being kicked while I'm down. I am turning 62 in Dec, but plan on working until I reach full retirement age of 66 & 2 mo's. Am I missing something, or is this just the way it is?