[stylin19a]

Furthermore, if you plan on working into your early 60s, then you should know that if your income exceeds limits, the IRS will tax some of your Social Security until you reach your full retirement age. In those cases, delaying when you claim so that you lower your income taxes might be a smart choice.

it's a little more involved than this.

If you work an take SS early, there is a dollar for dollar reduction of SS based on an earnings limit.
If you take SS at FRA (Full Retirement Age) and still work, your SS benefit could be subject up to 85% taxed depending on how much you earn.

https://www.ssa.gov/planners/retire/whileworking.html

[BobL]

“If you take SS at FRA (Full Retirement Age) and still work, your SS benefit could be subject up to 85% taxed depending on how much you earn.”

There’s a radio infomercial where the guy is trying to sell retirement planning and says the same thing. He’s doing it to deceive listeners, I suspect you’re just trying to communicate the point...but it comes out meaning something else.

In actuality, your benefit is not taxed at 85% (as implied), but rather 85% of your benefit is subject to federal income tax. So if you get $1000 from SS, you don’t pay $850 in taxes, rather your reported taxable income goes up by $850, and thus you pay maybe $200 in income taxes (if in 22% bracket). Big difference.