make sure u check what happens if u take urs now and then switch to spousal later when he files. my brother in law did that and got more $ overall. its called restricted application i think?

As someone who just went through this decision process myself, I wanted to add that it might be worth running the numbers on your specific situation using SSA's online calculators or meeting with a financial advisor who specializes in Social Security planning. While the general advice here is solid (waiting until FRA for spousal benefit typically maximizes income), your actual earnings history and life expectancy assumptions can make a difference in the math. Also, don't forget to factor in healthcare costs - if you're not yet eligible for Medicare and relying on employer insurance through your husband's job, that timing might influence your decision too.

I just wanted to add one more practical tip that helped me when I was in a similar situation. Since you're planning to file in June but continue working through December, make sure to keep detailed records of your monthly earnings after you start receiving benefits. While the recalculation happens automatically, having your own records can be helpful if you need to follow up with SSA or if there are any discrepancies in their calculations. Also, don't be surprised if you don't see the benefit increase right away - from what I've experienced and read here, it typically takes until the following spring for the adjustments to show up in your payments. The wait can be nerve-wracking, but it's just part of their standard processing timeline. Your situation sounds very similar to mine from a few years ago, and it definitely worked out well in the end!

As someone who just went through this exact scenario last year, I can confirm what others have said - Social Security absolutely counts your ENTIRE year's earnings, not just up to your filing date. I filed at my FRA in August 2024 but kept working until December, earning about $35,000 in those final months. When I checked my Social Security statement earlier this month, those earnings were already showing up in my record for 2024. The key thing to remember is that Social Security works with complete calendar years for benefit calculations. Even though you'll start receiving benefits in June, they'll still factor in your July-December earnings when they do their annual recalculation process. If that $42,000 helps replace one of your lower earning years in your top 35, you should see a benefit increase sometime in 2026. I'm actually expecting to see my own increase this spring based on my 2024 earnings. It's definitely worth continuing to work if you're able and willing!

As a newcomer to this community, I want to thank everyone for this incredibly comprehensive discussion! I've been dealing with the same confusion about spousal benefits, and this thread has provided more clarity than months of trying to get straight answers from SSA. What really helped me understand was learning that spousal benefits are always calculated on the higher earner's Primary Insurance Amount (PIA) - their benefit at full retirement age - regardless of when they actually claim. The delayed retirement credits that increase benefits from FRA to age 70 simply don't apply to spousal calculations while both spouses are alive. I was initially frustrated to learn this, thinking my spouse's strategy to delay until 70 wouldn't benefit me at all. But the discussion about survivor benefits completely changed my perspective. Those delayed credits WILL increase my potential survivor benefit if my spouse passes first, which provides important long-term financial security even if it doesn't boost my current spousal benefit. The real-world examples shared here, especially the actual dollar amounts, really helped make the abstract rules concrete. It's one thing to read about "50% of PIA minus your own benefit equals excess spousal benefit" - it's another to see how that plays out with real numbers. Thanks to everyone who took the time to explain these complex rules and share their experiences. This community is an invaluable resource for navigating Social Security decisions!

As a newcomer to this community, I want to add my thanks for this incredibly helpful discussion! I've been wrestling with the same spousal benefits confusion, and this thread has been more enlightening than countless hours spent on the SSA website or trying to reach their representatives. The key insight that finally made everything clear was understanding that spousal benefits are locked to the Primary Insurance Amount (PIA) - the benefit payable at full retirement age - regardless of any delayed retirement credits the higher earner might accumulate. So while my husband's decision to wait until 70 will boost his own benefit by about 32%, my spousal benefit calculation stays fixed at 50% of his FRA amount. Initially this felt disappointing, but the discussion about survivor benefits completely shifted my perspective. Those delayed retirement credits that don't help my current spousal benefit will provide crucial protection if I become a widow. It's essentially a form of insurance that becomes more valuable the longer he delays claiming. What I found particularly valuable was seeing the actual calculations with real dollar amounts. The abstract formulas make sense intellectually, but seeing how someone with a $3,675 FRA benefit translates to specific spousal and excess benefit amounts really solidified my understanding. For anyone else navigating this, I'd recommend checking your earnings record on the SSA website before making final decisions - as Santiago mentioned, missing work years can significantly impact your benefit estimates. Thanks to everyone who shared their expertise here!

i just wanna say ur inspiring me! im 58 and on disability and always wanted to finish my degree. maybe its not too late for me either

This thread has been so helpful! I'm 64 and have been on SSDI for 8 years following a stroke. I've been hesitant to pursue any educational goals because I was afraid it might jeopardize my benefits or trigger unwanted reviews. Reading everyone's experiences, especially the distinction between scholarships (which don't count as income) versus work-study earnings (which do), gives me confidence to explore some online courses I've been interested in. My occupational therapist has actually been encouraging me to engage in mentally stimulating activities as part of my recovery. Ava, best of luck with your program - you're showing all of us that it's never too late to learn!

I'm new to this community but have been following Social Security rules closely as I approach retirement myself. Based on everything I've researched and what others have confirmed here, your PTO payout definitely counts toward your 2025 earnings limit since you received it in 2025, regardless of when it was actually earned. One thing I haven't seen mentioned yet that might be helpful - if you're using tax software like TurboTax or working with a tax preparer this year, make sure to mention your Social Security situation to them early. They can help you plan for the tax implications of having both SS benefits and work income, and some of the newer software versions actually have calculators that can help you model different earning scenarios throughout the year. Also, since you're being so methodical about tracking (which is smart!), consider setting up a simple alert on your phone for the last day of each month to update your earnings tracker. It only takes a few minutes but keeps you from falling behind on the math when you're busy with work and life. The $23,400 limit really doesn't leave much room for error, especially after that PTO payout, so staying on top of it monthly rather than trying to catch up quarterly will save you stress later.

I'm also dealing with the earnings limit as a newer Social Security recipient, and this thread has been incredibly helpful! I wanted to add one more resource that might help - the SSA has a specific publication called "How Work Affects Your Benefits" (Publication No. 05-10069) that goes into detail about the earnings test. You can download it for free from their website and it's much clearer than trying to navigate their main site. One thing I learned from my own experience is to also keep track of any state taxes that might be withheld from your Social Security benefits. Some states tax SS benefits and some don't, but it's another factor to consider when you're budgeting with both work income and benefits. Also, since you mentioned you're 65 and not yet at FRA, remember that the earnings limit increases significantly in the year you reach full retirement age (it goes up to $62,160 for 2025), and they only count earnings before the month you actually reach FRA. So depending on when your birthday is, you might have more flexibility later in the year you turn your full retirement age. Just something to keep in mind for future planning!