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$65,160 Penalty-Free: The Year You Reach Full Retirement Age
In the calendar year you reach full retirement age, the Social Security earnings test practically dismantles itself — and almost nobody explains it. In 2026, the limit for your FRA year jumps to $65,160 (nearly three times the regular $24,480), the penalty drops to $1 withheld for every $3 over the limit, and Social Security only counts what ...
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