 [ Symptoms ] despite regular cardio exercise and eating healthy i can not seem to lose weight  okay maybe i can not lose weight is misleading but i am losing muscle and gaining fat my exercise includes running for an hour at least four times a week for over a month and eating includes eating salads eggs fruits and white meats like chicken and none of the junk i will not even allow myself cheat days in spite of the fact that i have lost 20lbs i do not look any thinner in fact i have gained fat and it is becoming increasingly harder to continue keep the same running time and pace [ Disease ] it is your modified gross adjusted income   or taxable income that counts under the law income earned from social security benefits are included in the total your investments and assets will not count toward your annual income however only money pulled out of pensions and 401k plans so income you derive from the accounts count toward your total annual income if you have money invested in a 401k but do not pull money out during the year it will not count