IMO wouldn't wait too late in the year to retire, if you make over 39k or so ? (Can not remember the exact amount) you will get pentialized cause you made too much money in that year and your SS check may be less or none for that year depending on how much over the limit you make.
IMO best to retire early in the year, also any money you take out of retirement fund counts as yearly income and may put you in way higher tax bracket.
Also you will get questionnaire inquiring how much money you will make in that year which includes your wage before you retired minis the Ira or thrift monies ( SS can't count that as earned income for that year,)but, you will get taxed by fed on income tax earned forthe year. Just let you know what's head and how it could effect your SS retirement check or fed income tax the year you retire?
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