Hi, I’m Devin, a financial planner who loves making retirement planning easier to understand. My goal is to help you figure out the complicated rules so you can make better decisions, get the most out of your money, and enjoy a secure retirement. I cover topics like Social Security, taxes, and investments, and I’m here to give you clear, practical advice. Subscribe for helpful tips and insights that will make planning for retirement less confusing.
FIX THE RICH. Social Security and Medicare are not broken. Social Security and Medicare are not the problem. These are lies from the rich. The rich are the problem. Not only are the rich broken, they break everything around them. They break our air, our water, our soil, our World 🌎. The rich break people, workers: minimum wage, no benefits, no overtime. FIX THE RICH.
I'm 64, my wife is 59 with metastatic breast cancer. Chances are I will eventually file for Survivor Benefit. Hers is higher than mine. Thinking I will wait for and pray it doesn't come to that. Definitely not what we were planning on.
we can send billions overseas but wont or can't help our own people. we're trying to buy friends or customers globally. charity begins at home. I guess there's no kickback for domestic aide
Author doesn’t talk about inflation and uses 5% to prove his narrative. You can assume 8% if you’re doing a hypothetical because 8% represents a good benchmark for the S&P index. this is another classic example do your own research. The historical average for the stock market is not 5% red herring argument.
An FYI: If you try to call the insurance company without having a contract they will not talk to you. So this guy's advice does not apply to prepurchase questions.
My birthday is the 30th day so how does that calculate, and if I wait until several months later I'll get 70.4 I'm homeless because of the fires and well I don't need to explain things you seem smart enough to understand my predicament.
Yes, if they paid it they get it, SS would be absolutely FINE if the government didn’t get their grubby little fingers in it, AND if there wouldn’t be thousands of FAKE disability claims! Heck I see handicapped plates on all sorts of ridiculous vehicles, even took a pic once following a Harley with a wheelchair plate on it !! How’s that work????? 🤔
It doesn’t really matter, the Social Security administration, courtesy of Congress will completely run out of money in 2034 (ironically, the year where I would qualify for 100% of my benefits)
I wish I could collect at 62. Not worth it. I can stop working at 68 and live off 401k for a year and start collecting at 69 and 2 months. Will still come out with $40-50k. Its all about planning when you are young.
I would say that yeah yeah so I'm 2.5 years in I got disapproved the first round going to the field and I don't know I'm in level three now but like I said 2 and a half years yeah I'm ready to say f*** it but after hearing this I don't know I mean hell would I got to lose now I mean I'm 2 1/2 years in
I started working at 10 years old and paying in. I'm told they only go off the last 10 years though. Is that true? What's the use in paying in my whole life if they only go off the last 10 years.?
Can we plan on having QCD available when we retire? We have to guess at our investment returns and we don't really know future tax rates. Do we optimize ACA or do Roth conversions? I don't think its possible to optimize without knowing the future so I can understand doing nothing. I plan on doing some Roth conversions but I will have to get used to paying more taxes then absolutely neccessary.
BS rules, If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2024, that limit is $22,320. In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit. In 2024, this limit on your earnings is $59,520. We only count your earnings up to the month before you reach your full retirement age, not your earnings for the entire year.
After the germs of Germany snuck in the backdoor after the Civil War and they have not learnt and in your pants pockets is the kind that folds and jingles and thats gone you picking from the cravivses of your pockets of cotton. Where did the Et go after Moses and they between selfcheckout stealing labor without wages.
So if I understand this correctly, I was married 23yrs as a homemaker we divorced, I am 62 and did not remarry. My spousal support ends at 65 which at that time I will file for half of his, if he should pass before 67/70 I can receive survivor benefits but at a reduced amount unless Im 67? Than I get entire amount of his? Can I collect my half till his FRA of 70 and then get his survivor benefit?
