If I work from January to October and then retire at 62 , will the first 10 months of that year be used against me on the 1dollar for every 2 dollars earned rule when I file my taxes.

Hi,

Yes, but you could still potentially be paid benefits for November and December as long as you don't earn more than $1,420 in either of those months. The monthly earnings test (https://www.ssa.gov/planners/retire/rule.html) is an alternative to the annual earnings test (https://www.ssa.gov/planners/retire/whileworking2.html), and whichever of the 2 tests is more advantageous may be used in your initial year of Social Security benefit entitlement.

Best, Jerry