If you continue working full time and will significantly exceed the annual earnings limit, it may be wise to reconsider claiming your Social Security Dear Rusty: My 62nd birthday is in late August of this year. I would like to start collecting Social Security, but after reading about the need to keep my earnings less than $21,240 in the first year it doesn't seem fair to those who have birthdays later in the year. I will have earned a lot by the end of August. Or am I missing the part where the year starts from the day you retire? Or is it a fiscal year? Please elaborate? Signed: Looking...…If you continue working full time and will significantly exceed the annual earnings limit, it may be wise to reconsider claiming your Social Security Dear Rusty: My 62nd birthday is in late August of this year. I would like to start collecting Social Security, but after reading about the need to keep my earnings less than $21,240 in the first year it doesn't seem fair to those who have birthdays later in the year. I will have earned a lot by the end of August. Or am I missing the part where the year starts from the day you retire? Or is it a fiscal year? Please elaborate? Signed: Looking...WW…