I am 63 and stilli working I am single Thinking about retiring soon.but Istill plan to work. What shall do.confuse

Sherry,
You will receive your maximum lifetime Social Security benefits by delaying your retirement benefit until you are 70 to earn delayed retirement credits and increase your benefit by 32%. If you take your retirement benefit before your full retirement age of 66, then it will both be reduced and subject to the Earnings Test. If you take your benefit at age 66, then will not be reduced nor will it be subject to the Earnings Test.
Best,
Mike