Single or Joint Income: What Counts for the Social Security Earnings Test?

If you haven’t yet reached your full retirement age but want to file early for your Social Security benefits, you need to know there’s an earnings limit.

In other words, if you earn over a certain amount of income… your benefits may be reduced.

We’ve talked about this at length on both this blog and my YouTube channel, and we field a lot of questions about this topic. One of the questions I hear all the time from married couples is this one:

“Whose earnings are they counting? If you’re married, can your spouse’s earnings affect your Social Security benefit?”

Read moreSingle or Joint Income: What Counts for the Social Security Earnings Test?