Dear Rusty: I retired on February 1st of this year (2022). I collect a pension from my employer plus a union pension, as well as Social Security, all of which started in February 2022. I am married and I’m 65 years old. I only worked 4 weeks in 2022 before retiring, but my income ended up being far more than expected. I got 5 weeks’ vacation pay and a retroactive check from an overdue labor contract. I also got hazard pay and a small check for a class action lawsuit my union filed years ago. All of that brings my 2022 income to about $35,000 which means I have exceeded what I can make as far as Social Security goes. My question is, should I contribute some money to my IRA to offset my earned income? And is it even possible for me to do that? Signed: Retired but Concerned

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