Hi Larry, I am 63 years old and plan to retire mid year in 2023 (maybe April ) and take my divorced survivor benefits at that time and let my own benefits grow till I am 70.
My question is: Is there a limit to how much I can earn prior to April 2023, prior to starting social security in order to avoid any reduction in social security? Any limit on total amount earned till April 2023 and also if any limit on per month earnings (during each of the months of Jan, Feb., and March 2023) prior to retiring?
Thank you so much for helping all of us.. a true help to all seniors.

Hi. No. You could at least be paid benefits for any months in 2023 in which you earn no more than $1,770, no matter how much you earn in the other months (https://www.ssa.gov/benefits/retirement/planner/rule.html). However, the annual earnings test (https://www.ssa.gov/benefits/retirement/planner/whileworking.html) would allow you to be paid for all months in 2023 if you don't earn more than $21,240 for the year. So, your best filing strategy depends in large part on how much you will earn for the entire year of 2023, and in how many months you will earn no more than $1,770.

It sounds like you should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully compare and analyze all of your various options so that you can be sure to choose your best strategy for maximizing your benefits.

Best, Jerry