Filing joint return, between $32K-44K, 50% of your benefits are taxed. More than $44k then up to 85% of your benefits are taxed.
That's EARNED INCOME
What Scott posted is true....... and a deal killer for some. And since Medicare is still a couple years in your future, that's another "agin it" vote.
My retirement income is higher than for most working folks, but still only about a third of my pre-retirement income so lifestyle changes were required.
But...... these are still the best years of my life, so go for it, Randy.