Can I Work While on Social Security and Should I Work Part Time Before Retiring?

Thinking about claiming Social Security while still working—or wondering if part-time work before retirement makes financial sense?

 

Welcome back to The Market Moment! In today’s episode, Matt, John, and Isaac break down two of the most common questions we hear from pre-retirees:

1️⃣ Can you work while receiving Social Security benefits?

✔️ How earned income affects Social Security before Full Retirement Age (FRA)

✔️ The 2024 earnings limits and how benefit reductions really work

✔️ How benefit reduction differs from Social Security taxation

✔️ What changes once you reach your full retirement age

✔️ Why turning Social Security on early can permanently reduce your monthly check If you're unsure whether to start Social Security at 62, 63, or wait until 67–70, this conversation helps you understand the real math behind the decision.

 

2️⃣ Should you work part-time before fully retiring?

✔️ Bridging the gap to Medicare (especially ages 62–65)

✔️ Reducing withdrawals from retirement accounts

✔️ Delaying Social Security for a larger lifetime benefit

✔️ The psychological challenges of quitting work “cold turkey”

✔️ Real client examples of transitioning into low-stress, enjoyable part-time work

 

📊 Market Updates & Economic Insights

✔️ Black Friday retail sales surprising to the upside

✔️ Fed rate-cut expectations heading into December

✔️ 2024 inflation trends and long-term averages

✔️ Why markets often perform well near all-time highs

✔️ Historical data showing how often investing at a “peak” still pays off

 

Enjoyed the episode? Don’t forget to:

👍 Like

💬 Send us your questions! TheMarketMoment@mach1fg.com 

🔔 Subscribe and join our growing online community of everyday investors!

 

#retirementplanning #socialsecurity #financialplanning

🍿 Watch Next: https://www.youtube.com/watch?v=B7oXXMAVXt0&t=3s

🎙The Market Moment Podcast! Last week's episode...https://www.youtube.com/watch?v=blfBPqPWC38

We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL

Give us a follow on Instagram! https://www.instagram.com/themarketmoment/ www.instagram.com/themarketmomemt/

 

⚠️ Disclosure: The hosts of the Market Moment podcast are employees of Mach 1 Financial Group LLC. Mach 1 is a registered investment advisor located in Rogers, Arkansas. A copy of Mach 1’s current written disclosure brochure is available through the SEC website and at Disclosures.mach1FG.com.