Dear Rusty: I retired with a (gross) $4,600 per month Civil Service Retirement System (CSRS) annuity from the U.S. Postal Service in December 2022. I am 66 and will attain full retirement age in November of this year. I know at that point I will not be subject to the “earnings” test, but I will be affected by the dreaded “government offset.” I have earned enough quarters and will be eligible for a small social security benefit.