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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.
It's legal! Just work and draw Social Security at age your. full retirement age (age 66 currently). Under Age 65 - If you were born January 2, 1943 - January 1, 1955: the Social Security earnings limit is $15,480 for 2014, if you are working and collecting your Social Security payments.If you earn over $15,480, you lose $1 for every $2 you earn, after you hit the maximum.ull retirement age (age 66 currently). Under Age 65 - If you were born January 2, 1943 - January 1, 1955: the Social Security earnings limit is $15,480 for 2014, if you are working and collecting your Social Security payments. If you earn over $15,480, you lose $1 for every $2 you earn, after you hit the maximum.