Here is the bottom line as far as I can see: IF you are self - employed when filing for early retirement, and *** if, on your application, you are asked how many hours you work *** (and I would like to hear from anybody here who has actually filed for benefits before their Full Retirement
Age) and IF you work more than the allowable hours to be considered «
retired» (again, I believe it's no more than 45 for most people but no more than 15 if you work
at an occupation requiring a «
specific skill» or own a large business),