Retirement tax questions

You are confusing two issues. As far as taxes are concerned, 0-85% of your Soc Sec is taxable (regardless of your age), depending upon your other (Joint) income. The other issue is this:

https://faq.ssa.gov/link/portal/34011/34019/article/3739/what-happens-if-i-work-and-get-social-secur...

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