[xzins]

I know one who did it at 62 and got a letter saying they’ll keep it if he makes more than 17 or 18 thousand a year. I don’t know if that was just him, or if they counted his still-working wife’s income

I guess you’re doomed to let them keep it until nobody in your household is working? But maybe I don’t understand the rules.

[kjam22]

We’re both early retired. There is a dollar value that your income has to be under, or they start reducing the social security benefit. But I’m told that “hurdle” does not apply to investment income. Capital Gains.

[Night Hides Not]

The rules are complicated. As I understand them, you can make up to approximately $15K while drawing early SS. After that, you lose $1 in benefits for $2 of W-2 income. I don't believe spousal W-2 income is included.

I'm planning on doing the same thing when I turn 62. With my other pension and early SS, I'll be able to pay the bills. I'm planning on doing other things with my life, such as herding my youngest son and grandson. I'm considering a number of options, and I'm looking forward to having the freedom to pursue those options.

I also plan to become more involved with a Tea Party group in my area. I plan on mostly full, busy days.

[jwalsh07]

My wife is retired at age 63. She can earn up to 15,480 per year without her benefits being reduced. After that amount her benefit is reduced by 1 dollar for every 2 dollars over that amount. I still work and will as long as my back allows me to get out of bed which has no effect on her retirement at all. SS follows the individual.

I know this because she quickly tired of being unemployed. So she got herself a job at the local casino doing retail which she enjoys immensely. The pay isn’t much compared to her income as an accountant but she loves it.