I am in my 50's, so I guess I had better start thinking about this. I have a few questions.

When someone draws SS, do they have to pay SS-Federal-State taxes on that money or any new money you make?
If you are still working and drawing SS, do they reduce the benefit?
What age can I access my IRA and 401k without penalty?

Oh, and one last thing. You know you better start thinking about SS when you start getting junk mail from AARP