Billionaire entrepreneur Mark Cuban advocates for workers owning company stock. However, for those claiming Social Security before full retirement age, the value of restricted stock units (RSUs) when they vest is counted as wages, subject to the earnings test. In 2026, benefits are withheld at a rate of $1 for every $2 earned above $24,480. Conversely, capital gains from selling previously vested shares are not counted against this test, though they can lead to higher Medicare premiums two years later.