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How Part-Time Work at 64 Can Defer $13K in Social Security Benefits This Year
Key takeaways
- The analyst who called NVIDIA in 2010 just named his top 10 AI stocks.
- Picture a 64-year-old who claimed Social Security at age 62 because the bills were closer than the cushion.
- This surprise shows up on retiree forums frequently.
How Part-Time Work at 64 Can Defer $13K in Social Security Benefits This Year Gerelyn Terzo Wed, May 13, 2026 at 4:45 PM GMT+7 4 min read Quick Read The Social Security earnings test withholds $1 in benefits for every $2 earned above $24,480 annually for those under full retirement age, creating a $12,760 cash shortfall for someone earning $50,000 at age 64.
Withheld benefits are credited back as permanently higher monthly payments starting at full retirement age, making the earnings test roughly actuarially neutral over a 25-year retirement but a significant cash-flow problem in the year it occurs.
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