With Social Security set to deplete one year sooner than expected, charges on retirement benefits may just deteriorate, worse.Currently, 15% of your Social Security advantage is tax-exempt. For the other 85%, everything relies upon your “temporary pay.” So, have the option to deal with your pay in retirement, and one approach to do that is to ensure you are saving in the perfect spots. Temporary pay is your net pay – compensation, annuities, interest, dividends and capital gains – in addition to tax-exempt interest, in addition to half of your general Social Security advantage. In the event that your temporary …