Turning 62 in October. I’m out. I’m not playing life expectancy roulette. 42 years is enough working years for me. Now it’s time to kick back and read some books,, do some gardening & cooking, and go for long walks 😉
Bingo! I took at 62. This lady talks like everyone is poor. I took it at 62 but didn't need it. I invest in short term stock trades. I average 38% a year. This broad is acting like folks are stupid...maybe she is.
@@robertnovoa341 I have an E-Trade account. I pick volatile stocks that are down and when they bounce up sell them.... wash rinse repeat. Know your sectors. Study them. Know cycles & things like Kondratiev waves or theory. Many stocks I hold for a week or some just hours. Free learning is all over the internet.
I retired at 62 and ran to the SS office to apply for benefits. Absolutely no regrets!! Wonderful decision!! I am now 72 and my ex-husband passed away in June 2020. I applied for divorced spousal benefits on his work record. We were married 12 years. I was eligible and am now receiving widows benefits on his work record!! Hallelujah! Wonderful! PAY YOUR DUES AND LIVE LONG, PEOPLE!! It’s a blessing to finally get your due!
I took my SS at 62 but I fully retired at 49. Plan to retire, make it a priority by age 40 and stop mindless buying of stuff that is really EGO stuff or meaningless... eating out, new cars, too much house, too expensive clothes or vacations or phones or habits.... cut expenses and invest in you. Most folks save zilch and when reality hits cry.
Why not retire age 18? Productivity today has turned Negative due to large interest payments on the National Debt. Retirement in the US is coming to an end.
@@rumproast5159 i agree, my son passed away last year and was never married and had no children, so none of his immediate family or long time girlfriend were entitled to claim his benefits, which, i believe, that rule should be changed.
if you are one hundred percent disabled and verified and confirmed, ssdi suppliments your disability soc sec check to bring you up to the poverty level, thats my best guess. this happened to me in 2003, i had not worked enough quarters so my soc sec check was pretty low when i became disabled, one day for no apparent reason it went considerably, but someone had screwed up and i ended up getting paid 8500.00 too much over a period of time, had to pay it back by reducing my pitiful little check 50.00 a month.
Diane Poteet Why are you asking that now? Why didn't you save or invest to cover the other 60% of your retirement income through the years? Social security is supposed to be supplemental. I knew all of this at 15 when I got my social security number. Maybe if people would have prepared financially they would have money if they didn't blow it through the years. I saved,invested,lived within means,etc. and can take my own money if needed anytime I want.
Diane I am working on a new age bill from age 62 to age 60. It’s your money. Let spread the news. Age 62 bill has not been over haul since Ssa been giving out benefits. Everyone do not invest or gamble.
@@deannawarrior4yah771 and on any kind of pay out over time you have to set an assumption. By the way humans are really terrible about dealing with death. it would seem that all of your ancestors before you had a positive attitude that they were going to live a long time. So let's assume that you are 66and that somehow you knew you were going to die at 76 on your birthday. so that means you have 10 years or a hundred and twenty payments if you started collecting at 66. But you could wait until you're 67and get your first payment and as this lady says get 8% more on each payment. Now that we have knowledge that you'll only collect for 9 years instead of 10 years you are receiving 10% less payments. Your payments are indeed 8% more but only for 9 years which is 10% less number of years collected.
Tell the deal both parties agreed to last week to remove the ceiling on the national and the new agreement with the Federal Reserve means that Social security even with your 8% if you wait is actually more like a negative interest rate. The real rate of household inflation could easily raise to 15%. The banks have a great interest to say it's under 2%. So the social security check would basically by 5% less each year. 5% inflation compounded for 5 years might be 36%. If Jimmy Carter style inflation returns at 21%, with no national debt ceiling, then you're probably looking at a hamburger costing over $50. Everybody will get paid their social security, the government worker pension, and military retirement. How little the dollars printed then we'll buy we just don't know. The higher real-world inflation has been going on since 2007. it's not new but if you don't understand inflation, real inflation not the silly number they tell you on the news, the retirement planning system they used in the 1950s may not work for anyone today.
My wife and I will get about $6300 a month. Wife took hers at 66 and I got a spousal benefit. We took it to offset cost of Medicare now. I’ll take my at age 70 plus my spouse will get my benefit when I die which will be about $1100 more per month. You have to know there rules and how to work the system.
@Rachel Williams The SS taxes she paid, if any depending on where she worked her entire life, goes into a SS Trust fund and when someone dies young, the Trust fund is the beneficiary ...The benefits paid in by future retirees who die young offsets the benefits paid out to retirees who live a very long time. That's why/how it works.............. It's similar to medical insurance...you pay, you may never get sick or you might die before you ever collect a dime...others pay in, get very sick and millions is literally paid on their behalf to health providers over their lifetime, if they have chronic illness... If your mom had retirement through her state's teacher fund their system for those retirement benefits might include a beneficiary.......... My own mother worked for a state university and her pension, when she died, went to my step-dad who was the designated beneficiary.......... When he dies that will be the end of it............ My mother also paid into SS b/c she worked other places during her life. She drew her SS as well has her state retirement until she died...when she died any SS taxes paid in, by her, under her SS # , remains in the SS Trust find which is the beneficiary of it and as I pointed out above, it offsets those who live a very long time..some people live to be over 100, some die at 25 and never collect a dime..but they didn't pay in much either if they died young......... People get the attitude the gov't is robbing them. It's not..WE are the gov't b/c we elect people to represent us: it's called Congress...they make the laws on our behalf..it's like hiring an attorney to represent you...you chose him and if you are not happy with him you replace him; we do the same when we vote: we can vote to replace people who do not represent us according to our wishes. Each state has its own election and chooses who represents them.
@@Frank-ql6sf Congress stole all the money a d spent it, they then issued bonds that we thetaxpayers have to pay- it's called double taxation- we are slaves and they scorn us to deTh and now want universal medicare for the whole turd world.
How do you know how long you will live ???! One of my family members thought he would wait ...didn't collect early ....died before he could start collecting ...
The truth is you can always have a personal retirement account. If you put $100.00 a month into a retirement fund at 23 you’ll have over a mil at 60. So take care of you and teach your children to take care of themselves.
@@kevenmccord6724 thanks! that's the best advice I've read anywhere here🙄 but are you sure by doing this we can have over $1000000 by age 60? 🖥 calculator
Collect your money at 62 because you are not promised tomorrow. Spend it and enjoy it. Getting a higher payout at 70 when you're going to be to decrepit doesnt make sense. Use it in our 60s while you still dont need a cane or a Walker. Take a cruise or something. Do anything, instead of leaving the bulk of it for the government.
With "Means-Testing" looming in the horizon, and the break even point if your retire at 62 being 78, the way I see it is that 62 sounds good to me, no reason to wait in my opinion. Your life can be snuffed out in an instant, why take that chance?
Means testing already exists for SS recipients... if you have other income in retirement (pension, part time work, retirement account distributions, etc) while collecting SS up to 85% of your SS benefit can be included in your taxable income and subject to annual income tax! So they pay you what they promised.... then take part of it back in the form of income tax assessed against your SS benefit come April 15th! So if you prepared, saved, invested, and we're lucky enough to have a job with a pension... you are effectively being means tested and receive a reduced SS benefit. In my case... my SS is reduced by 20% ($7,000/year) when I pay my income taxes in April. Not complaining, I've done well and sacrificed and saved.... I'm in better shape financially then most people...but SS benefits are already effectively means tested (and reduced) for folks like me.
@christopher hennessey same with me and my husband he gets his pension and medical insurance and just turned 64 and is collecting social security he waited because he wanted it to be over 2000 a month I just turned 62 on the 13th and I put in for mine I'm not waiting like the commercial says it's my money and I need it now
@@imxploring It is also mean-tested by the payment rates. Lower earner get more than higher earners in their computed value because of the presumption this is the only income they will have. This incidentally is the reason for deductions in SS for those also receiving government pension.
@@SandfordSmythe Yep.... the lower income bands in the SS calculations are more heavy weighted.... just another way of "leveling" the benefit toward lower earners....
Even if the criminal elite don't manage to steal all of the SSec before one collects it, what good is the money when you end up sick or dead like we are all headed for. I am very happy that I started collecting my SSec at 62 10 years ago.
That was very informative. If I were married or a widow I would have so many questions answered. But I'm a single man, never married, all I have is me. None of this great conversation had anything to do with single people. I had to gleen the information that I needed from different bits of conversation. Just saying.
I tried to ask social security about delaying benefit collection so I would get a bigger benefit. They were not helpful. I took early and screwed myself. I think this is a strategy of social security. Do not tell the people the truth, so their pay outs will be less.
I researched tons of websites and youtube videos about maximizing my benefits BEFORE going to SS office. I had the SS advisor going and asking about my statements re benefits a couple of times because I was confident and informed.
They don’t want you to get your paid in benefits and will do anything to discourage you. The government uses social security as their petty cash box, the more they give to individuals the less they can take for other things.
With the little money they pay, its hard to even pay parking for a van, but more people are doing it, and a good idea, even though a shame for us to have to!
I disagree with you if the maximum benefits on Social Security is less than 3000 a month how does that translate into 50 to $60,000 a year or more according to what you stated?
You have to learn how to add 3000 for one spouse and 1500 for the other is 4500 not 5,400. As for max SS I believe it is in the neighborhood of 2600 at FULL retirement age , which is 66. And half of that is 1300. Added together is 3900. Totaling less than 50k yearly.
It all comes down to how much income you had, most people get under 1000 per month if you look at average wages from the 60’s and 70’s. Most working people made minimum wage which was very low. When I started working I made 2.75 an hour at a factory that doesn’t translate to thousands every month.
Consuelo - I have noticed that those who made a full time career out of investing and finance, my family members included, are well healed going into retirement while the rest of us - who were working at real jobs, raising families and paying for weddings college and crippling taxes seldom had the time to squeeze the last dime out of the system and very rarely had access to high priced "professional" financial advice. Nor did we even guess at the implications of our decisions. I wonder if this information will be relevant when the time comes to make the decision to collect or defer - or will he government again break it's promises as it has to our veterans.
I did the right thing by claiming my husband Social Security but I did not know about at 70 going andso I don’t have to live in Housing! I am so glad to have found you learn this I’m going to Social Security soon as I can get a ride! On my healthy 74 and will be 75 in September, Do they still have my money? My husband passed at 65 I was 70 at the time, and they sure as hell didn’t tell me that in the Social Security office! You can’t trust anybody!
Why doesn’t anyone ever say, you lose your 8% a year by not collecting at your correct retirement age? You could collect, invest it. If you don’t you loose with waiting until age 70. You just lost 4 years of your own money, which you’ll never get, because you’d have to live until 100 years old to make up for the 4 years you didn’t take.
@@kathymchale6053 And you get ZERO if you wait until 70 and die at 69 and a half. It's all a game in which you have to take numerous factors into play to determine which collecting strategy is best for you and will provide the best outcome. For many people these days that have not prepared for retirement taking SS at 62 is the only choice.
That's because in order to be counted as human while being single , you have to be a single mother. If you are a single male, you are as good as shit to pretty much anyone, even if you are a single father.
@@VladTheImpalerTepesIII Excuse me. You just did the same thing not even considering that there are single women with no children. Typical. Never, ever part of the formula. These women pay it all, receive nothing, and are never considered as existing.
These to ladies are full of crap they are both set for life they dont look poor to me . Take your money now at 62 and do a little part time on the side . You will enjoy the freedom from the 8 to 5 grind . Even if you make jus an extra hundred a month part time you will come out ahead . I am loving being retired . Glad I did 62 . I only put in a couple of days at part time job . It gets me out of the house plus I stay active .
That's what I did. Retired at 62 and worked part time. I beat the system at 81 just to make up for my parents not living long enough to collect one penny.
You loose 40% of your benefits that you would get at age 66. That is almost half. If you waited..for example if you would receive $1000.00 at age 66. At age 62 you would only get $600.00 . Plus that lost $400.00 is also tax free. I guess each case is different.
Why does the insurance salesman make $400 a person to sign up each Medicare account? They also make $40.00 a month retainer and when the customer calls, they just give an 800 number. Total rip off. Big expense we all pay for.
The first thing to collect SS benefits is to live long enough - which - as many have mentioned - SO many people die before reaching 100 % benefit collection age - ONE REALLY HAS TO WONDER - where does all that money go - who actually gets that money?. I think there should be a law governing SS benefits - in which - if a person is single at age 62 - that person should be able to collect 100% of their SS benefits - BUT simply put - SS benefits were structured - that ALL working people would pay into it ALL their working careers - HOWEVER - MOST - would indeed DIE BEFORE COLLECTING ANY BENEFIT - when the SS Administration was started in 1935 - FULL retirement age to collect 100% benefits was AGE 65 - HOWEVER - the AVERAGE LIFE EXPECTANCY was only AGE 64 -what does that tell you ?
This sound like what Obama was trying to do. Cut the benefits you paid into for retirement and increase the retirement age. Stop this maddness. Patition to this.
KittySunshineBandit 123 . The republican lawmakers want to privatize Social Security and raise the age that seniors can start collecting. They also want to knock people off disability. Educate yourself !Turn off the fake news channels that have republicans saying big government is a problem while they give tax breaks to billionaires and mega corporations while starving people of affordable healthcare benefits, affordable housing and a living wage for all working adults.
Jay Bennett Baby boomers were screwed when congress decided we have to pay a higher percentage into Social Security. I seem to miss most advantages by 1 year .
My daughter is a widow and she went to S S office to talk about her and her husbands S S and they would not tell her anything , lied and said they would mail her info and never did , she is 2 yrs away from drawing on his, she is depressed over it
I was widowed at age 58..husband was collecting ss..he started early at age 62...So when I turned 60 I collected widows benefits at I think 75%of what he was collecting...I'm waiting until I'm 70 to collect mine...Hopefully it's more...but who knows...
To the person who said..."hopefully its more..who knows"...Do your research..you should know!..Go to SS office..they can provide an amortization schedule showing how much SS u will receive each year predicated on you earning the same income throughout.
Be aware that taking soc sec will increase your income and will likely affect any subsidy you might be receiving for the ACA (obamacare) health insurance.
tim s I'm aware. Have zero debt and homes paid off. I'm retiring early and can easily keep my MAGI below poverty level. Have pension,enough cash savings to live on for at least 17 years of living expenses,qualified dividends,and emergency fund. Once I'm over 62 I have 1.6 million in Roth to pay tax free dividends indefinitely. I will be paying zero to about $150 a month in healthcare premiums until Medicare kicks in. Will take the $3k/mo. social security at FRA.
Here’s the rub. Yes, you get less if you take early SS. However, we calculated it out and my husband would be 79 1/2 before the amount would actually be more. He started at 62 and is glad he did. (We took the total amount he would receive for 4 years, age 62 to 66, and divided it by the difference in payment if he waited to start at 66. It would take almost 14 years to actually have more).
I was forced onto early retirement at 62 by California's SSI since I was totally disabiled at 60. Now I live outside of the USA in the RMI and being forced to pay Medicare even thought I can't claim it here and pay out of pocket for my medical bills & perscriptions. I just turned 75~!
I am 60 and born ‘58. I divorced 4 years ago. I was already on social security disability. My ex is still working. He is 62. I started disability payments under previous husband. Not my last husband married 15 years Should I contact SS??
Is disabled the same as retirement age for purposes of requiring whatever age for the spousal / survivor benefits rule which [otherwise] requires a certain age and older than year 1954 birth?
What about if we both get benefits and we been married A long time can I still get some of his benefit and what about one of us work part time about 20 hours a week or 30 hours a week
If you collect at 62 or 70 it doesn’t matter SS bases your retirement on life expectancy. Let’s say a man life expectancy is 85. The money they pay out over that time whether it’s from 62 or 70 balances out to about the same amount of money. Sure your checks are bigger from 70 but if you add up all the months you collect from 62 or 70 the total is about the same. They have this all figured out.
For many stay at home ..low wage earner moms. .it is to your! benefit to focus on maintaining excellent health so u can continuing earning until one is 70.
Exactly. Only real issue is that once you start collecting if you continue working you still have to pay social security taxes on your income from working and it doesn't increase your monthly benefit even if you are making good money. May even reduce your monthly check. I think currently 17.5k$ yearly is the maximum you can earn without reducing your "benefit". Do your own research before you make decisions and remember, "government" can change the rules unexpectedly. One of the biggest con-jobs in the history of the world.
I was married to my husband for 52 yrs he passed away 3/19/20 as told me I can't receive his SS benefits because I was a state worker he was 72 when he passed I am 71 and SS sends me 74.00 dollars a month for my earn credits This is a disgrace.
You need to look that up because just because you were state worker doesn't mean that you can't collect your husband's Social Security I think that's pretty much wrong I might be wrong but you need to do some research on that yes it is probably going to be reduced but you can collect it is that what $74 is
@Barbara Roberts, I think since you are his survivor and were his wife and married to him at the very time of his death.........not to mention you also are his widow, you should be getting 100% of what he was getting.......get you a lawyer..........who you worked for should make no difference........you are his survivor....pure and simple......I think they are doing you like they are trying to do me, that is why I am here studying........
It always astounds me that experts keep beating the drum over getting 8% a year extra each year you delay until 70. If you weren't going to die then ok but if I delay 8 years and claim at 70 not 62 I am not going to live 8 years longer. Your break even is approx 83. Even if you don't need the money you could still apply at 62 and invest the money and odds are you could beat 8% in an index fund. So if your family health history indicates that you probably aren't going to make it to the mid 80s then claiming earlier is not a bogeyman.
Delayed filing is ONLY about insuring your lower earning spouse doesnt live in penury after you pass. Otherwise id agree with you. Happy medium is lower earner files at 62, higher earner at 70 so the couple gets some SS but has the bigger payout delayed. Can bridge that if retiring at 60 with a single like 10 yr SPIA.
"Your break even is approx 83." If you keep the arithmetic simple that is true. But when (admittedly theoretical) cost of living adjustments are considered and calculated using the higher age 70 amount, the break even is more like 75, not 83. If I went for it at 66 instead of waiting until 70 I know I'd probably be kicking myself in my later 70s wishing I had delayed, imagining what I could do with that extra $800+ a month. Besides, I've got a great job. :-) And I don't mind going until 2023 which we all know by now will be here in a blink or two of the eye. ;-) Best of Luck to you all.
Seems we constantly hear about how Social Security is going to run out of money. But we never hear about welfare or food stamps running out of money? What's interesting is the first group "worked for" their money, but the second didn't.
I like your statement so true somewhat but some of us did work and have to have some Government Programs because their Social Security Checks they receive doesn't cover the high inflation we are experiencing now especially high rents and the high cost for groceries.
My spouse died in 2013. We had been married exactly 10 years when he died. I am getting survivors benefits from my late husband he past August 12,2013, i made 65 that same month, on August 23rd. Am i supposed to get 100% of his benefits, because now i am only part of his benefits!
If you have earned income (i.e. from a job), I don't believe there is any type of age exemption. You earn, you will pay FICA, and your employer will pay their piece too.
What if both of us are disabled and we collect both incomes my husband was born in 1956 and I was born in 1959. He is 64 now. I don't know what our situation should be?
They never mentioned anything about disability benefits. I think I am eligible and would like someone to explain these to me. How much, who gets them like me, my x-spouse, or child with a disability? It's all very confusing to me.
so we that put in for social security at age 62 will be reduced by 8 percent especially when most of us had no choice. because of a love ones health. or taking responsible to stay home to take care of there wife or husband with a health issue. dimensia. but doesn't receive anything because it's not allowed. it's only made for some one else like a son daughter or a hired person that's a nurse. so if born at 1955 gets screwed more or less.who is getting hurt by the changes is the problems.
If you are disabled you get full benefits. Something I learned recently from a neighbor is that you can get disability at age 62. He applied for early ss benefits and then was told he could change to disability and receive his full benefit. After 62 he couldn't do that. By the way he worked until 62 and did have a disability. Also your full benefit is based on what you have paid into the system. Another case was a self employed man that had his income drastically reduced supposedly due to failing health and qualified for disability benefits and still works at his business. You never know until you try, but they rarely make it easy. A reasonable amount of medical info to support a claim is necessary. Many or most claims end up before a judge that does only social security disability claims, so in those cases the decision is up to the judge. It is good to be on your toes in front of the judge. Don't put on too much of an act and watch out for trick questions if the judge tries to make conversation. He's not your friend, he's trying to determine if you are honestly disabled.
@M Detlef what does disability have to do with free loading??? ...stop calling people names ...you dont even know the situation ... where does disability come from ...they calculate your income ...dont they??
@M Detlef That's hard to do. I was disabled after brain tumor surgery and had to learn to walk again. To get disability benefits, it took many hours of filling out paperwork, submitting doctors reports, submitting medical screening tests, lab results etc. It'd be hard to fake all that. Once in awhile one slips through cracks, but saying 75% are fake is just not true.
For Americans why do we have to pay for our benefits whether you’re on Social Security or disability assistance. We have to pay premiums every year and co-pays for prescriptions and doctor visits and anything else that has to be done while anybody that crosses the border immediately receives assistance which covers housing utilities housing. Vehicles child care schooling, They don’t even have to pay property taxes plus they get food stamps and cash any legal can receive up to $34,000 a year this isn’t very often but it does happen
I'm not in total agreement about divorce benefits. My thing is , what if there was spousal support or a large benefit a the time of divorce. Why would they need to receive a benefit off of me later in life. It seems like double dipping? I know some cases this would not be the case. This is interesting.
People who work low wages there whole life otta get something back that's going be worth it and not having kids should be a bonus for not putting them thru life problems and struggles.
I was married 39 years and my husband died at age 62. I was denied survivor benefits as his widow because of WEP. This is so unfair because he had the full 40 credits when he passed.
I have a question to asked. I was born in 1952.I am a widow since 2011, and I am collecting a widow pension, Will I be able to collect my pension when I become 67 in October?
My sister died last year, three weeks after she went on sick leave, she was 5 weeks from her 62nd birthday, she was a widow and had no children of her own, I wonder who got all of her SS she paid into for 40 years? Her (former) step- son??
They can't if you were married for 10 years and you are now single. And if you remarry after your 60 , and your x dies, you still qualify for survivors benefits even though you remarried.
If you started collecting your benefit at 66, the spousal benefit would stop because you can't collect 2 benefits unless one is the survivor's benefit.
Retire at 62, then get a job to keep active or you will go nuts looking at 4 walls.. This is why so many that retires dies off in couple months after quitting.. It's a great shock to them. You are use to going to work for X number of years, now what's there to do..Dispare, depression, takes over. While working all those years, your thoughts were, "I'll be glad to retire so I can stay at home"... Yaah, right, take it from someone who is 72 now, trying to keep my strength up and stay active.. If you like to fish, couple trips will end that nightmare real quick... Now if you enjoy traveling and staying active on a daily basis, then you will enjoy retirement.. But if you are like of most people just go home and do the couch thing, then kiss your butt good-bye..
Can you explain, does a annulment effect any spouse, if married over 10 years. In the church, the married wont be recognized. But, does the SSA still acknowledge the marriage?
The whole thing with SS is gambling. The house is at an advantage at the outset because everyone has to work and put money into the pot. Along the way, there are quite a few players would drop out and never collected a dime; and when it comes time to pay out (at 62) the house entices you with extra annual percentage increase if you delay but that delay is full of risk of DYING and the house would get to keep everything because as everyone gets older their risk of dying goes up significantly, and for the deceased he/she would collect nothing. To make matter worse for the players, the house can make changes to the rules during the game as to when the players would be eligible to collect and if the house has to pay out too much it can decrease payout benefits, or collect more money from players by jacking up more payroll taxes. In the end, the advantages are ALWAYS with the house. Know when to walk away and do not get greedy and hang around the house too long because if you do hang around long enough the house would get everything back...get up and take your share and go have a nice buffet and enjoy your winning....and don't look back. Leave greed behind.
I disagree I'm 62 63 in July they made me retiree I've worked all my life I told them I was waiting till I was 65 they said I couldn't I would loose what I had
Her Husband disabled getting SSI at age 64 ,can his wife collect 50 % of his at age 66 as she never got full 40 points ? Does she have to wait until he turns 66 when it changes from Disability to retirement funds to collect?
Yeh my father filled out his ss application in February then died at 65 in May before he even retired, ss made out on his account. I don’t buy we’re living longer either. Hell i had a great great great grandfather who lived to age 96 in the early 1700s.
This workin til 70 idea sucks! Not too many are able to do that because of physical limitations. Take it early enough to be physically able to enjoy a paid permanent vacation. I retired at 65. My wife is the same age. She started drawing her benefit at 62, then at 65 she stepped up to one half my benefit at 65. We get enough from S.S. to avoid touching our retirement savings. I am still in good health and can enjoy myself doing what I want to do!
This whole conversation about NOT wanting to make too much money or you'll lose social security benefits is complete POVERTY THINKING!!! The idea that you can be broke, or you can be MORE broke, goes against my way of thinking! Retirement is a NUMBER NOT AN AGE! You can retire when ever you can afford to.
when is congress going to put back the 3 trillion dollars that they borrowed from social security during when President Ronald Regan was in office congress also stated with interest if this would happen seniors live without selling homes or becoming homeless yet no one will talk about it why?????
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