Hi dd9253, thank you for attending the event and posting questions.
Congrats on reaching the Social Security full retirement age in July 2022.
You have until April 18, 2023 to contribute to your traditional IRA for tax year 2022. Therefore, it does not matter if you take social security retirement in Dec 2022 or Jan 2023.
Also, your monthly retirement benefit will be higher if you delay starting it.
https://www.ssa.gov/pubs/EN-05-10147.pdf
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Your benefits may increase when you work:
As long as you continue to work, even if you are receiving benefits, you will continue to pay Social Security taxes on your earnings. However, we will check your record every year to see whether the additional earnings you had will increase your monthly benefit. If there is an increase, we will send you a letter telling you of your new benefit amount.
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https://faq.ssa.gov/en-us/Topic/article/KA-01921
Hope the above helps. Thank you.
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