Social Security Questions? Ask a Social Security Expert
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If you are younger than full retirement age and make more than the yearly earnings limit, SSA will reduce your benefit.
When they figure out how much to deduct from your benefits, they count only the wages you make from your job or your net earnings if you're self-employed.
SSA will include bonuses, commissions and vacation pay. SSA doesn't count pensions, annuities, investment income, interest, veterans or other government or military retirement benefits.
Taking money out of your retirement accounts does nothing to reduce your benefits.