I turn 66 on november8th today. My FRA is 66 and 4 months. If I file for Social Secutity January 8, I realize I take a reduction for the 2 months early. Will any money be taken back and if so when. I could clarify how that would and I realize you can make more the year that retire in. I believe it's over $50000.00. I was assuming that as long as you make this much before your FRA you would be ok.

Hi. Happy birthday. If you claim benefits effective with January 2023, you won't lose any benefits to the Social Security earnings test as long as you don't earn more than $56,520 from January 1st through February 28th 2023. If you earn more than that amount, Social Security would withhold $1 of your benefits for January and February for each $3 that you earn in excess of $56,520 in those two months. There is no limit on how much you could earn after February 2023 since you reach full retirement age (FRA) in March 2023.

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Best, Jerry