Social Security Strategy
Working While Claiming Social Security? Read This First.
An 8-page guide to the earnings test — what counts, what doesn't (pensions don't, IRA distributions don't), and the deferred-not-lost recalculation SSA's own research says beneficiaries "almost universally" misunderstand.
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8 pages · PDF · ~3 min to skim
Inside the guide
A thoroughly researched,
concise reference.
Sourced to IRS, SSA, and Treasury publications. Educational content, not financial advice.
What does NOT count toward the test — pensions, IRA/401(k) distributions, Roth conversions, investment income, capital gains, passive rental income, VA disability. Only wages and net self-employment count.
Three worked scenarios — Margaret (64, working part-time), Robert (FRA year, income-timing leverage), Susan (post-FRA, $200K consulting). Three completely different rules.
The deferred-not-lost recalculation explained — how withheld benefits come back as a permanently higher monthly check, and the longevity math that decides whether you recover the dollars.
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