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How much Social Security Can you draw at 62 and still work?

Starting with the month you reach full retirement age, there is no limit on how much you can earn and still receive your benefits. You work and earn $31,240 ($10,000 more than the $21,240 limit) during the year.

ssa.gov - Retirement | Receiving Benefits While Working - SSA

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You can work while you receive Social Security retirement or survivors benefits. When you do, it could mean a higher benefit for you and your family. Each year, we review the records of all Social Security beneficiaries who have wages reported for the previous year. If your latest year of earnings is one of your highest years, we recalculate your benefit and pay you any increase you are due. The increase is retroactive to January of the year after you earned the money. If you receive survivors benefits, the additional earnings could help make your retirement benefit higher than your current survivors benefit. How Much Can I Earn and Still Get Benefits? When you begin receiving Social Security retirement benefits, you are considered retired for our purposes. You can get Social Security retirement or survivors benefits and work at the same time. However, there is a limit to how much you can earn and still receive full benefits. If you are younger than full retirement age and earn more than the yearly earnings limit, we may reduce your benefit amount. If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2023, that limit is $21,240. In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit. In 2023, this limit on your earnings is $56,520. We only count your earnings up to the month before you reach your full retirement age, not your earnings for the entire year. If your earnings will be more than the limit for the year and you will receive retirement benefits for part of the year, we have a special rule that applies to earnings for one year. The special rule lets us pay a full Social Security benefit for any whole month we consider you retired, regardless of your yearly earnings. If you receive survivors benefits, we use your full retirement age, for retirement benefits when applying the annual earnings test (AET) for retirement or survivors benefits. Although the full retirement age for survivors benefits may be earlier, for AET purposes, we use your full retirement age for retirement benefits. This rule applies even if the beneficiary is not entitled to retirement benefits. Read our publication, “How Work Affects Your Benefits,” for more information. When you reach full retirement age: Beginning with the month you reach full retirement age, your earnings no longer reduce your benefits, no matter how much you earn. We will recalculate your benefit amount to give you credit for the months we reduced or withheld benefits due to your excess earnings.

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Is it a boundary or is it controlling?

The difference between control and boundaries is that control is meant to make others what you want them to be but boundaries make it safe for us to be ourselves. A primary aggressor will not respect boundaries. If a survivor tries to set boundaries, it may very well increase her danger.

abuseandrelationships.org - Boundaries - Abusive Relationships

Boundaries

Boundaries are also known as limits Boundaries vary from relationship to relationship but are set without the cooperation of the partner—they are not products of negotiation. Boundaries are decisions that protect fundamental safety or integrity, indicating what one will and will not tolerate. If you are describing a boundary, you will state what you will do, rather than try to state what the other person will do—for example, “If you hit me, I will end the relationship,” or “If you talk to me that way, I will leave.” However, if not really meant, such statements are not boundaries, but threats. Boundaries are not about punishing someone who has been hurtful. The actions taken in holding to a boundary may not be liked by the other person, but still they are undertaken to maintain one's own integrity. A desire to get back at someone is understandable, but it actually weakens a boundary. That is because the other person's response becomes more important than the personal limit. A controlling person senses this and manipulates his response to make the survivor unsure of her boundaries. Punishment may be appropriate for acts of abuse, but punishments are disastrous to satisfaction from within an existing couple relationship. The difference between control and boundaries is that control is meant to make others what you want them to be but boundaries make it safe for us to be ourselves. A primary aggressor will not respect boundaries. If a survivor tries to set boundaries, it may very well increase her danger. Unfortunately, it can sometimes be a matter of "safety first, sanity second."

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