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So if you earn $100,000 the year you retire, we estimate you will need $85,000 during the first year of retirement. For each subsequent year, we increase your income need by 2.3% to keep up with inflation.
In 2016, the income limit is $15,720. If you're over full retirement age, then you can earn as much as you want without reducing your Social Security income. However, working can increase the likelihood that your Social Security income will be taxed (more on that in a minute).