Dear Rusty: Things have gone good for me until now. I got a job and have enjoyed going back to work after being retired. But I just got some bad news - a letter from Social Security saying I owe them $17,000 because when I went back to work, I earned more than allowed in 2021. They never mentioned that I told them I was going back to work! They now say they can’t pay me benefits in 2022 because I am working. Good job SSA, since I told you when I went back to work! Anyway, I can’t repay them all at once, I’m lucky to buy gas to get groceries. They list items for a waiver, but I am not sure what is best for me. I was planning on moving for health reasons, but if I paid them all at once I have nothing left for the move. I just started my research on how to handle this but hoped you would have some insight. Signed: Un-retired Worker