# At 63 He'll Collect Social Security and Pull $90,000 From IRA

> A 63-year-old can collect Social Security while withdrawing $90,000 yearly from IRA without earnings test impact.
- Title: At 63 He'll Collect Social Security and Pull $90,000 From IRA
- Summary: A 63-year-old can collect Social Security while withdrawing $90,000 yearly from IRA without earnings test impact.
- Keywords: social security, ira, earnings test, retirement income, ssaa, wages, retirement age, ssaa earnings test, ira withdrawals, social security benefits, He'll, Collect
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/10/20/at-63-hell-collect-social-security-and-pull-90000-a-year-from-his-ira-the-earnings-test-everyone-warns-him-about-will-never-touch-his-check-because-the-agency-only-counts-wages
- Author: David Beren
- Published: 2026-10-20T16:44:09+00:00
- Read time: 1 min
- Topics: social security, ira, earnings test, retirement income, ssaa, wages, retirement age, ssaa earnings test, ira withdrawals, social security benefits
## Social Security Earnings Test Rule
The Social Security earnings test ignores IRA withdrawals but counts wages and self-employment income.
## How the Earnings Test Works
For 2026, the test deducts $1 for every $2 earned above $24,480 for those under full retirement age.
## IRA Withdrawals Are Excluded
The SSA does not count IRA distributions, 401(k) withdrawals, dividends, or capital gains in earnings calculations.
## Full Retirement Age for 1960+ Births
For anyone born in 1960 or later, full retirement age is 67, so a 63-year-old stays under full retirement age.
## $90,000 IRA Withdrawal Plan
A 63-year-old can draw $90,000 yearly from IRA while keeping Social Security benefits unchanged.
## Tax Implications of IRA Withdrawals
The IRS taxes up to 85% of Social Security benefits if IRA withdrawals exceed $34,000 for single filers.
## Permanent Benefit Reduction
Early Social Security claims reduce benefits permanently, but IRA withdrawals avoid earnings test reductions.
## 2026 Earnings Test Threshold
The earnings test limit for 2026 is $24,480 for those under full retirement age, rising to $65,160 at full retirement age.
## Key takeaway

A 63-year-old can collect Social Security benefits while withdrawing $90,000 annually from IRA without earnings test reductions.