Dear Rusty: I am 68 years old, born in July 1954. I have the credits necessary to qualify for benefits. The Social Security website says that if I continue to work to age 70 with yearly earnings of $206,000, my monthly benefit would be $4,245. If I stop working now, and start taking benefits in January 2023, my benefit would be $3778. The number of months between January 2023 and July 20...