user: What happens if you retire early?[NEWLINE]agent: I will be glad to help you You can retire at any time between age 62 and full retirement age[NEWLINE]agent: what if you start your benefits early?[NEWLINE]user: if you start benefits early your benefits are reduced a fraction of a percent for each month before your full retirement age.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what happens if you delay your benefits until after full retirement age?[NEWLINE]agent: The advantage is that you collect benefits for a longer period of time The disadvantage is your benefit is reduced.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask if my earnings are higher before my retirement age, does my benefits will increase?[NEWLINE]agent: If your earnings for the prior year are higher than one of the years we used to compute your retirement benefit,  we will recalculate your benefit amount.[NEWLINE][BOUNDARY][NEWLINE]user: how much can I earn?[NEWLINE]agent: that limit is $ 17,640[NEWLINE]user: will my earnings be reduced if i work?