@JaneEO
There is a "special" rule for this in the year that you retire -
Special rule for the first year you retire
Sometimes people who retire in mid-year already have earned more than the annual earnings limit. Thatโs why there is a special rule that applies to earnings for one year, usually the first year of retirement. Under this rule, you can get a full Social Security check for any whole month youโre retired, regardless of your yearly earnings.
In 2019, a person younger than full retirement age ( which you are at 65 years old) for the entire year is considered retired if monthly earnings are $1,470 or less.
If you earns more than $1,470 in the any month after retirement ( July - December) in the same year (2019), you wonโt receive a benefit for that month. Beginning the next year (2020) , only the annual limit will apply to you - the 2019 limit is $17,640 per year ( $ 1470.00 per month) - it increases a bit in most years.
If you are self-employed, there are other rules based on the actual amount of work and type of work that you do. (substantial services).
Social Security 2019 Pamphlet - How Work Affects Your Benefit
Make sure that you pay close attention to the areas where it talks about conditions that apply to you in your situation:
1. You are retiring YOUNGER than full retirement age
2. The specific year that you begin retirement benefits (1st year) where you have worked part of the year
3. Whether or not you are gonna to continue to work for the remaining part of this 1st year
4. Whether or not you are gonna to continue to work into the following years until you reach full retiement age.
5. Depending upon if you are gonna continue to work and the amount you may be makeing - you might want to report this to SSA. The SS pamphlet describes this.
It's Always Something . . . . Roseanna Roseannadanna