Filing for Social Security before full retirement age means active farmland management can trigger the earnings test, withholding $1 in benefits per $2 earned above $24,480.
Fixed cash rent keeps income classified as passive and exempt from the earnings test, but crop-share arrangements with hands-on management convert income to self-employment earnings.
Farmland REIT distributions count as investment income, fully bypassing the Social Security earnings test, though investors own shares rather than direct land.
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A 64-year-old walks into retirement with $300,000 earmarked for a real **** et. He buys farmland, leases it to a local operator, and expects rent checks to arrive while he enjoys retirement. He already filed for Social Security at 62 and **** umes land is land and rent is rent. Social Security does not see it that simply.

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