Posted by Charlie M on December 31, 2017 at 08:28:21 from (50.48.219.240):
In Reply to: Just what not why posted by rrlund on December 31, 2017 at 07:26:48:
I'm 63 talking to a retirement planner so I can retire no later than 66 and people really do need to do their homework when it comes to deciding to take social security. There is more money to get if you wait but the real unknown in any retirement is how long will you live to get it. One thing I think is totally wrong is deciding when to take it based an breaking even with what has been contributed. You should make the decision based one how long you expect to live, what you think you need for retirement money and what do you have for other retirement income. You are locked into what ever the amount is at the time of retirement and if you retire at less than your retirement age you are limited on what other income you can earn without paying back some or all of the social security money until you are at retirement age. Retirement is probably one of the biggest decisions of your life and its not easy as you have no way to know all the variables.
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