I have a decent nest egg and have an annuity with a guaranteed income rider that should pay me $1,000 per month in a few years (I'm 62). My wife is 61 and receives Native American Benefits. I had been thinking of claiming SS early because of the "break even". However, after reading the book I am re-thinking. My question-does the software account for the misc. income streams I've described and will it help indicate if the Native American benefits (some of which are non-taxable) would "fail" an earnings test.