[Jim Owen]

Hi Kerbie,

Okay, so I’m mulling it, too. A sticking point to me is the amount of coin I can pocket annually without it subtracting from my monthly check if I retire and file prior to my FRA of 66.4.

That may drive me to work through the 21/22 academic year. I can’t tell my boss, “Hey, I’ll come back next year, but only teach the fall term.” I reckon I could tell him that, but he’d not respond with a civil tone.

My buddy who waited til 70 got quite a bump to her check. But her social security is the major source of her retirement income. I have a pension so long as the governor of my state doesn’t trade our fund for some magic beans. So I ain’t waiting til 70.

I’ve heard that if you go talk to the SS folks, they can be very helpful.