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[Music] hello everyone i am michael ruger i am the managing partner of greenbush financial group today the topic is going to be the social security income penalty if you turn on your social security early prior to your full retirement age and youre still working if you make over a specified amount during that year social security can assess a penalty against your benefit but then the question came up from one of our clients which was an excellent question which is hey i heard at some point if those penalties are assessed you get that money refunded to you and at first it would seem like oh theres no way theyre going to do that but actually they do but the way they refunded the money to you is a little bit dicey so in this video today im gonna go through how that social security income penalty works how they assess it so if you have to pay it how do you pay it to social security and then how does that refund work if you end up incurring those penalties later on ill start off by exp