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Social Security ‘Retirement Test’ Gets a Failing Grade

Tom Margenau gives a thorough explanation of the origins, the rationale, and the annual earnings test in practice.  It is sometimes called the “retirement test” or as the author puts it, the Social Security earnings penalty, of which he is no fan.  This piece addresses how the law applies to people under full retirement age.  Margenau even offers a creative work around, though it still ultimately involves “settling up” earned income above certain limits with the Social Security Administration.  Full piece here.




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