I am 65 retired when can I start working and keep my Social Security with our losing any money from my Social Security check.

Hi. Depending on how much you earn, you might be able to work and collect benefits now. In 2021, people under full retirement age (FRA) can earn up to $18,960 without losing any benefits but they lose $1 of benefits for each $2 that they earn in excess of that amount. The exempt amount is higher (i.e. $50,520) for people who will reach FRA prior to the end of the year (https://www.ssa.gov/benefits/retirement/planner/whileworking.html), and only amounts earned prior to the month in which a person reaches FRA count toward that limit. Furthermore, for people reaching FRA before the end of the year, $1 of benefits is withheld for each $3 of their excess earnings.

If you're asking when you can earn an unlimited amount and still collect benefits, that happens starting with the month you reach FRA. FRA dates are different depending on a person's year of birth (https://www.ssa.gov/OP_Home/cfr20/404/404-0409.htm).

You may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the options available to you in order to determine your best strategy for maximizing your benefits.

Best, Jerry