🚨 Thinking about taking Social Security before Full Retirement Age? Watch the Income Cap. 🚨 If you claim benefits early and continue working, Social Security limits how much you can earn before your benefits are temporarily reduced. In 2025, that limit is $22,320. Earn more than that, and benefits are withheld — but not lost forever. Coordinating your work with your social security benefits should be a timing strategy--not a random guess. Smart timing matters. Income planning matters. Plan sma