Posted by Texasmark1 on December 16, 2018 at 05:26:09 from (172.242.9.56):
In Reply to: Social Security. posted by DeltaRed on December 14, 2018 at 09:56:38:
I did the math and I too retired at 62 vs 65+.
Government programs get bashed all the time but on the subject of SS and MC, I was totally satisfied with my treatment in applying for both.....a seamless process and very well managed. One thing on the SS interview was that I had misplaced my DD214 and had applied to the Nat. Archives for a copy which didn't arrive before my appointment date. But......
Called SS, got an appointment at the local office time/date, went in, sat in the lobby (that was packed with folks) for about 5 minutes, lady came out and called my name, went in, she had a copy of my 214 in her files along with everything else she needed, was in there all of about 10 minutes and out the door. Got my check direct deposited to my bank account and haven't been happier.
What you need to watch is double taxation. There is a work sheet in your 1040 instructions whereby you can calculate what you earn over and above your SS retirement payment and how it impacts your Adjusted Gross Income on your 1040. Exceed that amount and per the calculation sheet, some of the SS payment you receive comes out and appears on line 20b and is added to your taxable income....so you get taxed on your extra income and taxed on a portion of your SS too. Adding the SS can put you in the next higher income bracket besides the double dipping thing.
Course if you gotta do you gotta do. Or if mom told you to get out of the house and out from under her feet.......gotta do what you gotta do....I know a guy working at HD in the electrical section in just that situation. Course he is an urbanite and we rualites usually have something, if not plenty to keep us occupied.
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