Hi Phantom4,
Congratulations on easing into retirement! Whether or not your Social Security income is taxable depends on your total income, including your Social Security plus any other income.
When you prepared your 2022 tax return, you would see your refund go down as the taxable portion of your Social Security income was included. If you look at your tax return you will see your total social security income on your Form 1040 line 6a, and the taxable portion on line 6b. As your other income goes down, so will your taxable portion of your social security benefits.
You can definitely chose to have federal income tax withheld from your social security beneifts, https://www.ssa.gov/manage-benefits/request-withhold-taxes#:~:text=You%20will%20pay%20federal%20inco..., but not necessary. It sounds like you still received a tax refund, so you did not need more withheld.
I hope you find this information helpful!
Connie
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