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AARP's Social Security Q&A Tool

Can I contribute more to my 401(k) to get around the earnings limit for those who work and receive Social Security benefits between 62 and full retirement age?

En español | No. Social Security counts 401(k) contributions as earnings and includes them in the Retirement Earnings Test.  It also counts wages made from a job or net profit if self-employed, including bonuses, commissions and vacation pay.  It does not count pensions, annuities, investment income, interest, veterans or other government or military retirement benefits.

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