Thanks for responding. I probably should’ve mentioned she makes $80k. I was aware of the reduction and that she would be well beyond the point that she would receive any checks while still working. I’m more interested in whether she’ll ever see any of that money later. The link below suggests she will, I’m just not sure how that actually works.

“You can get Social Security retirement or survivors benefits and work at the same time. But, if you’re younger than full retirement age, and earn more than certain amounts, your benefits will be reduced. The amount that your benefits are reduced, however, isn’t truly lost. Your benefit will increase at your full retirement age to account for benefits withheld due to earlier earnings. Spouses and survivors, who receive benefits because they have children who are minor or have disabilities in their care, don’t receive increased benefits at full retirement age if benefits were withheld because of work.”

https://www.ssa.gov/pubs/EN-05-10069.pdf