Will a health savings account change my SSA retirement?  Q: I am
considering use of a heath savings account plan at work. Using
one would reduce my taxes but have a secondary result of
lowering my earnings for Social Security. Can this reduce my
future Social Security retirement amount?  A: It potentially
could, depending on the amount of money involved and for how
long a time. An individual answer partly depends on the persons
work record over many years. Social Security retirement amounts
are based on your best 35 years of work earnings and your age,
in months compared to full retirement age, when starting
benefits. If your current earnings are included in those best 35
years, future benefit amounts might be smaller.  The Social
Security website has a Retirement Estimator calculator that
could help you reach an individual answer. Part of the SSA
Retirement Planner section, the Estimator connects to a person’s
actual SSA work record to provide a personal estimate. You can
use the Retirement Estimator if alre