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If you collect Social Security and you're younger than full retirement age, then you can earn up to $16,920 in income in 2017 and still collect 100% of your Social Security payment. Nov 26, 2016 at 2:22PM. The average American's retirement savings remains anemic, wages are only inching higher, and employers continue to abandon pension plans.
In addition, if your latest year of earnings turns out to be one of your highest years, Social Security will refigure your benefit based on the higher earnings and pay you any increase due. Another way that working can affect Social Security is with regard to taxes. If your combined income (Social Security calculates combined income by adding one-half of your Social Security benefits to your other income) is between $25,000 and $34,000 (or $32,000 and $44,000, if filing jointly), you may have to pay taxes on 50 percent of your benefits.