Your full retirement age is the age at which you're eligible to receive your base monthly benefit, called your primary insurance amount (PIA). If you were born in 1960 or later, your full retirement age is 67, but you can begin claiming benefits as early as age 62. Plenty of people choose to begin claiming benefits at 62 without completely retiring or cutting off their income stream(s). There's absolutely nothing wrong with that. However, if you claim benefits early, you'll need to monitor your earnings, or you could be subject to Social Security's retirement earnings test (RET). Beginning in 2027, the threshold for how much you can earn before facing the RET has increased. Here's what you need to know.
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