[SamAdams76]

You are currently allowed to make $19,560 before Social Security starts taking $1 for every $2 made (in a job) after that.

If you made $100,000 even, that would leave $80,440 so up to $40,220 of your benefit would be deducted. So if your benefit is $3,352/mo or less, you would end up with zero. I'm suspecting if you file early, your benefit will be less than that.

You say you make $100k+ so almost certainly you will end up with zero. When you do hit FRA, the SSA will recalculate your benefits accordingly but you are probably better off waiting to file.

I'm in the same boat as you and I'm just going to hang in there until my FRA - or unless for some reason or other, I decide to quit my job and retire early.

[Mr. K]

I thought about retiring early last year.

I knew I would make less from Social Security, and I calculated the breakeven point to be 12 years out.

But after three months I was bored as heck and went back to work. I write software and I get to Work from Home, so it’s been a good year for me.