[Hữu]

I was wondering if Roth conversions would count towards it? Or it wouldn’t because it wasn’t earned income? But then again, it was earned income that wasn’t taxed at the time. Wait, so which number does the SS program take into account when calculating my earnings is it my AGI or my Gross income?

[Elizabeth]

And anything you earn over $160,200 (2023) does not have SS taken out, but that means your benefit is based on a lower income than you may have earned.

[Bill]

No, Roth conversions don’t count. The only income that counts is the ordinary income you earn and pay social security tax on.

Btw – the income was taxed by Ss at the time it was earned. You just didn’t pay income tax on it.

[Sydney]

Another thing is that the earnings that go into social security do not need to be consecutive. They are simply the average of the highest 35 years of social security eligible income earned.

[Author]

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