Working part‑time while collecting Social Security can be a smart way to boost your income, but it also comes with rules that can catch people off guard. The Social Security earnings test still applies in 2026 for anyone under full retirement age, and misunderstanding it can lead to withheld benefits you didn’t expect. Many retirees assume part‑time work won’t affect their checks, only to discover later that they crossed the annual limit. Here are 10 practical ways to stay in control of your income and your benefits this year.
