I don't know if this will help you or not, but I "retired" last year, draw my retirement and because I retired at my full retirement age I received my maximum benefits and I can still work and earn as much as I like.  I have worked at home doing medical transcription and average about 35,000.00 a year doing this and still get my retirement etc.   The glitch is when filing your tax return, you have to now claim your retirement (social security) and your taxed on it.   I love the fact that I am still working - and at home - you cannot beat it.