I am 63, retired and married. My spouse is 72 and retired Civil Service.
I began receiving my Soc Sec Retirement benefit in 2025; it's less than $1k per month. I also withdrew $8k from my standard IRA this spring. (Not a Roth IRA)
I understand that I pay tax on the IRA withdrawal. However, will it effect my Soc Sec benefit; that is, will I possibly have to pay back my Soc Sec retirement? Someone mentioned that since the IRA withdrawal is taxed, that Soc Sec will count it as (Working) Income which is restricted since I began my SocSec before my full retirement age of 67. Any clarification is helpful.
Thank you.
