At $90,000 in self-employment income, the earnings test would claw back roughly $32,500 annually in benefits, making filing before FRA nearly pointless. Delaying to 70 pushes the after-tax breakeven ...
Quick ReadDrawing $85,000 annually from a 401(k) at 62 with no other income produces an effective federal tax rate near 12%, ...
A 62-year-old self-employed consultant earning $90,000 annually should file for Social Security at her FRA of 67, not at 62 or 70, because the earnings test eliminates most benefits before 67. The 24% ...