I retired at 52, now 56 I'm loving it. Plan, plan, plan ahead for retirement.
@TheBoxster1998
3 күн бұрын
52? Too old. I retired at 38. 🤣
@nuclearchris832
2 күн бұрын
I never worked😂
@allborosnyc4544
2 күн бұрын
@@nuclearchris832 Hey, you will still get something. lol
@cm467
Күн бұрын
@@nuclearchris832 you screwed the government LOL
@bsayangdako
Күн бұрын
When my mother hit 65, she pushed her retirement to 67. At 66, she was diagnosed with ovarian cancer. She only benefited 6 months from her SS after she retired, and she passed away. RIP Mama.❤ Hopefully, this will be a reflection and lesson for us.
@punkbassandcovers
9 күн бұрын
I've had type 1 diabetes since age 11. I'll be lucky to even live to 62. Retirement by 55 has been my goal since I was a teenager. The best thing my parents taught me young was putting money aside for when I'm old. I'm 42 now. And self funding my retirement through Roth IRA s, my workplace 401k, etc .. over the past 20+ years will enable me to reach my retirement at 55 goals. If I make it to 62, Social Security will be a nice little bonus, but I'll be damned if I'm going to sit here and rot in a work chair a few more years for what will be an insignificant couple grand a year from social security. Life's too short, especially for me.
@craigsolow9003
9 күн бұрын
My brother-in-law is Type 1 since age 10, and he is still going strong at 62 now. You should plan on being around more than ya think...
@philochristos
9 күн бұрын
I know how you feel. My dad died of cancer at 57. We both suffer from the same affliction that caused it (acid reflux - esophageal cancer), so I'm definitely not waiting until I'm 62 to retire.
@prairiemark4084
9 күн бұрын
I have known of a number of diabetics who came down with diabetes in childhood and lived to be old. Neil Young the Canadian folk singer is one of them. He had onset in early childhood and is now 78 years old. A farmer I know is in his late 70s and he came down with diabetes about age 13. My own son had onset of type 1 Diabetes at age 7 months and he controlled his diabetes very well with a pump and frequent checking. But unfortunately he died in his sleep from unknown causes last year at age 42. He had an engineering degree and wonderful career going.
@normanromick2160
9 күн бұрын
My mom got type 1 diabetes at 12:00 and she lived to be 79 age is just a number stay healthy and your number will be much larger than you think it will be today😊
@cutehumor
9 күн бұрын
@@prairiemark4084 I'm sorry your son died at age 42. I'm 47 with health problems myself. I'm trying to hold on as long as I can to get SS at age 62
@keithfrasier
9 күн бұрын
My wife and I both retired at 55, about 10 years ago. Every point you brought up is valid and something we had to deal with but we were able to make it work. What saved is was ACA for health insurance, 72T withdrawals from our IRA's to fund 7 years of living, and then claiming Social security at 62. Low bills and no car payments or credit card debt helped a lot! Thanks for a great video Erin!
@xcaret-ns3pb
7 күн бұрын
🙏🙏🤘🤘
@Pouncer_Fox
7 күн бұрын
Congrats!
@Uncommonsensetoo
7 күн бұрын
I only have 24 years of SS income but retired at 52, not a moment too soon. I plan on taking SS at 70 as I considered it more like "longevity insurance". I have done well enough with my investments that I won't need the money. Working longer would just be a waste of the precious time I have left to live. I am now focusing on extending my life with a healthy lifestyle and just enjoying doing whatever I want to do. I love owning my time.
@ToxicAndFriendly
23 сағат бұрын
Longevity insurance....I like this way of thinking.
@tl4633
7 күн бұрын
Wife retired at 53, 2 months before her 54th birthday and I was able to retire at 57. 9 months down for me and not looking back.
@MrDonny27
4 күн бұрын
What kind insurance u have
@kirklandphil
9 күн бұрын
Of all the SS videos I have watched this was the one that made it simple to understand. Well done Erin.
@ErinTalksMoney
9 күн бұрын
Yes! That makes me so happy to hear! 😊
@mark-jin-10-xk1po
6 күн бұрын
I completely agree with you.
@brendawilson6857
9 күн бұрын
Done! Retired at 55.
@ErinTalksMoney
9 күн бұрын
Nice!
@jamessnavely9758
7 күн бұрын
Very lucky good for you
@Pouncer_Fox
7 күн бұрын
Congrats!
@donaldreinholz3745
7 күн бұрын
Ok, I’ll retire at 53
@3pilot
4 күн бұрын
Retired at 45 but it’s boring. So I’m working again
@paulseidel5819
9 күн бұрын
We are claiming early at 62. No one know how long they will live and we want to spend while we are healthy and let the investments grow with fewer withdrawals
@ErinTalksMoney
9 күн бұрын
I hope you both have a long and healthy retirement
@MrPizzaman09
9 күн бұрын
I think it's worth a video on the tradeoff of taking it early vs. keeping your money invested. There has to be a certain rate of return where it would make sense to take SS early. It's going to be a complex table once you factor in how long you live.
@paulseidel5819
9 күн бұрын
@@MrPizzaman09 Hi, I agree that such a video would be generally worthwhile. In my specific situation, I don't care if my investment returns beat social security growth or not. We have enough and my goal is not to maximize my estate, it is to live now.
@lorirogers6730
9 күн бұрын
I retired from SSA after 20 years 1/2 of which I spent at the National 800 number. I watched thinking there’d be a lot to criticize. Nope. That is one of the best explanations of the impact of early retirement I’ve seen anywhere (including the explanation we were given). I was so wrong. Beautiful, exceptional job. SSA could incorporate this straight into their training program. Well done.
@jayp8955
8 күн бұрын
Do you go looking for videos to criticize when you wake up? That’s just sad .
@lorirogers6730
8 күн бұрын
@@jayp8955 what did you just do?
@lorirogers6730
7 күн бұрын
@@jayp8955 and look what you just did. Pot calls the kettle black.
@jillmiller9268
7 күн бұрын
@@jayp8955 Do you go looking for comments to criticize? How sad! You can’t seem to infer the op’s intent. Also SAD!
@jayp8955
5 күн бұрын
@@jillmiller9268 i guess that makes both of us sad human beings. Enjoy your retirement.
@ktek9onesix530
9 күн бұрын
I’ll be retiring at age 55. What’s not talked about is the quality of life retiring as early as possible. I want to enjoy life while I still have my health versus 62+. You can alway make more money but you can’t make more time. My personal philosophy, that’s why I financially plan for my retirement early.
@FIRED13
8 күн бұрын
Health Span vs Health Span (thank you Azul Wells, KZitemr, for this very important concept)
@globalfamily8172
7 күн бұрын
Yup, my dad passed at 59 and my mom had dementia at 63.
@1stamendmentmedia464
7 күн бұрын
Looks like I might retire at 56. I agree 100% with what you are saying. Where there is a will there is a way, everyday spent working is one less day living life to its fullest. There's no guarantee that you can travel and do some of the things you want to do at 62, 65 or 67. I'd rather live life for the next 10 years and then if need be go back and do some little job for some extra income in my late 60s knowing that I've lived life, then make more money not knowing if I will be able to live life.
@lmcc0072
6 күн бұрын
The average American lives to be 76.33 years. The average American male only lives 74.8 years. That doesn’t tell you when people start having health issues and a reduced quality of life. If you start receiving social security at 70 you will need to live until you’re 78 to collect the same money as you would have if you retired at 62. If you retire at 67 you’d have to live until you’re 76-77 for benefits to even out. If you know for a fact that you’ll be healthy and live well into your 80s or 90s then waiting is the smart move. Unfortunately, most of us don’t know that.
@andrewrivera4029
Күн бұрын
Yes, I jumped off the back of a utility truck for 30 years not sitting at a desk somewhere, the body can’t do that forever so I saved and invested retired at 53 1/2.
@simonsrattanroom
6 күн бұрын
Start SS at 62 ... I've seen multiple family members hold out for the full benefit and die shortly after, missing out on so much money that could have been used to pay off mortgages and leave the estate in a much better place.
@dannydaw59
2 сағат бұрын
There's also those that retired at 62 and ran out of money because they lived longer than they thought they would. The 401k ran out at 80 years old in 1 example.
@EYUK1
9 күн бұрын
I retire at 55 and are among the top 1% earners when i retire. A few years before my retirement, I figured out social security is NOT pension(i won't call it scam like a lot of financial KZitemrs do). It is supplemental income. Its main goal is to provide minimum level of income for middle class especially low income earners at the retirement age. If you have maximum earnings in the last 25 to 30years, working another 10 years is not going to change much on your full retirement benefit. The last 10 years contribution goes to the pool. You won't see much of the contribution coming back to you. The average life span of american is about 78 years. If you retire at 67 or older, you do not have time to enjoy life. Try to be debt free before 45 and financial independent before 55. I paid for my own college and have zero student loan. Try to live frugally when you are young and avoid expensive hobby and vacation.
@FauxQue-yk8dt
9 күн бұрын
@@EYUK1 You didn't mention a residence that is paid in full before you quit working. Not having rent, or a mortgage, is key to a decent retirement.
@rdspam
8 күн бұрын
I retired at 53. I did the math and working the full 35 years, another 3 years of max earnings rather than 0, would have added $20/month - about 0.5%. I suggest doing the actual math, as the example of losing 11% by retiring 5 years early can be quite misleading.
@cybrainx72
8 күн бұрын
@@rdspam I don't know when you retired.. each year of zero earnings you are missing SS calc currently would be -> ( max contributable earning/420) *(0.15).. if you assume max contributable earning is 160K.. that would be 57$ per month
@f430ferrari5
7 күн бұрын
Most people don’t decide to retire at 55 when it’s related to SS. Most continue to work despite not really earning much more from SS due to the cost of medical insurance. And it’s not just for them but spouse and even kids. Some parents have kids in their late 30’s and the male can be well over 40. Imagine having a 15 year old at the age of 55. That’s what quite a few face. The working world has changed and many have no issues working beyond 55. Better to be a productive member of society than a leach.
@MSanz-jc2bg
7 күн бұрын
Living till old is overrated.
@BrianW211
9 күн бұрын
I retired at 54. I considered working longer, but found that working longer for the purpose of increasing your social security benefits has very diminishing returns when your average indexed monthly earnings is already higher than the 2nd bend point. The higher you are, the less impact working longer will have.
@semosancus5506
9 күн бұрын
Yeah this is where I'm at. I've maxed SS for many years but I also have some zeroes in my social security calculation. But if I work longer to erase those zeroes all those dollars are beyond the second bend point.
@mikespangler98
9 күн бұрын
That 2nd bend point is one of the best demotivational tools ever invented 😊
@semosancus5506
9 күн бұрын
@@mikespangler98 Yeah what is it 15 cents on the dollar?
@mikespangler98
8 күн бұрын
@@semosancus5506 Exactly 15%. So if you made $100,000 and that years income replaced a zero then your monthly benefit would be 100,000 / 35 / 12 * 15% or $36 a month higher. If it's replacing something other than zero then replace the 100,000 with the difference.
@jameskipp1657
2 күн бұрын
Thanks for the comment. It helps in my decision process.
@nathanchapel5950
3 күн бұрын
As an investment advisor that’s been specializing in Social Security planning for more than a decade. You did a great job covering the topic!
@tobindrake2767
8 күн бұрын
I retired at 45, now 55. I worked in finance for over 2 decades and the stress of that environment and the large corporate culture is poisonous. I have friends that have had heart attacks in their early 50's and have major health problems that still are in that rat race. Your life and health isn't worth it for what? A few million more dollars that you aren't likely to enjoy in your old age. I earned enough to live comfortably off my investments for the rest of my life and that was enough for me. I'm glad I made that decision and I enjoy every day now.
@LibertarianRF
5 күн бұрын
Thats awesome ..can you offer an idea of what kind of investments?
@tobindrake2767
5 күн бұрын
@@LibertarianRF I own 6,000 shares of SMCI I just bought on Friday @ $40 per share. It popped 15% yesterday alone. My price target on it is $130 per share. It has had a lot of bad news and is a risky stock (which gives you a great opportunity to make a lot of money if things don't turn out as bad as the news appears to be). I also own about 34,000 shares of PDI that I've been drip investing for the past few years with an average price of $17.50 per share. PDI pays a $0.2205 per share dividend every month. It is hitting record highs right now because the Fed is dropping interest rates. It goes ex-dividend on Friday. PDI is a no brainer investment at this point. I'll probably add another 10,000 shares+ in the coming year.
@greenmoxy
5 күн бұрын
I also retired at 45 from business. I purchased a few office buildings and hired a mgmt company. So far it's been a great passive income to go with my dividend stocks. I agree, why swim in the poison pool for money that isn't likely going to change anything.
@mpacker99
9 күн бұрын
Love the bloopers. Your videos are always very well thought out. As someone that retired at 52 (self funded) it’s always nice to see your POVs. You present real information and not over the top sensationalism that many vlogs do. My wife and I had looked at all the zeros we were getting but decided it was okay. But it is important if you are going to be living off SS. Always look forward to your videos
@ErinTalksMoney
9 күн бұрын
Thank you so much! Congrats to both you and your wife on your early retirement! I hope you are having a wonderful time together
@thomasmoshier3920
9 күн бұрын
Retirement is personal decision and it’s different for each of us. For me, I had initially planned to retire at my FRA of 66 and 10 months. However at 65, I hit the wall and it caused me to reevaluate my situation. After crunching the numbers I came to the conclusion that whatever the financial gain of working an extra 18 months wasn’t worth it and retired right after I turned 65. A decision I’ve never regretted.
@ErinTalksMoney
9 күн бұрын
I hope you’re having a wonderful retirement!
@thomasmoshier3920
9 күн бұрын
I’m three months in, so far so good! I spent 35 years in healthcare work at the same hospital. It was hard to let go. That drive home on the last day was emotional. However, the next day I was fine. It was surprising how easily the transition was….
@alinatamashevich3354
9 күн бұрын
@thomasmoshier3920, Well really it is not! That is why hard numbers like 59.5/62/65/67 have meaning as well as RMD. Sorry , but all of us will have to fit into 1 of those hard numbers. The exception is: One has a few million put back and then they do not care about SS or age
@thomasmoshier3920
9 күн бұрын
Actually I do have 2 million in my 403b. I also have a significant pension. I chose to retire at 65. Having financial security gives you options. Drawing SS early limits your options unless you have a large 401k balance. Most that retire at 62 do not. They use the excuse to draw at 62 because they convince themselves they’ll die early or SS will go broke. Weak arguments.
@alinatamashevich3354
9 күн бұрын
@@thomasmoshier3920 The argument is people did not save enough and linger around too long in the work force preventing younger workers from taking their place all because of their piss poor planning. They always think, if I can just make it till....X date, I will have enough. Sadly that day usually never comes.
@TheLanard
4 күн бұрын
I’ve been working since 14. I didn’t work during age 15, but worked every single year from 16 to now. Next year I plan to retire at 55 and nothing or no one’s gonna stop me.
@andrewrivera4029
Күн бұрын
Hell yea.
@lowstringc
9 күн бұрын
On a secondary note after watching the bloopers: your hair looks great! That thought crossed my mind during the video, but it felt necessary to share after watching the end…😂
@ErinTalksMoney
9 күн бұрын
😂😂😂
@roguered706
9 күн бұрын
I had to come and say the same. I know this is a finance channel so looks are not the focus, but the hair was really working today!
@johnnysimes5082
9 күн бұрын
Build credibility in a variety of ways. The hair looks like success and credibility. Keep it up.
@NOMORERATRACE
9 күн бұрын
I retired at 33 years old I am 37 years old now. My full retirement on SSI is 70 years old. Retired as soon as possible there is no guarantee people going to live until 65 years old.
@mattc7425
9 күн бұрын
Great details in your video... One thing to remember though, it often makes no sense to work longer once you already have your 35 years in. Although you may be making more in your current (older) years than you were in your younger years, the difference has to be SIGNIFICANT not only because of the indexing, but also the bend points that Social Security uses. If you have zeros, by all means, try to keep working and fill those in. Zeros are BAD. But if you have a modest $20,000 per year salary from your first few years of employment, and now you are "replacing" those years with $100,000 years, the difference of what looks to be $80,000, over the course of 35 years, indexed, and then using bend points, only make a FEW DOLLARS difference on your Social Security checks. For some people, Time is much more valuable than money. Learn to do your precise calculations before you make your decisions to continue to work just to try to increase your social security check.
@SKOOKM
8 күн бұрын
As she mentioned, the multipliers used on the a Averaged Indexed Monthly Earnings play a huge role as well. There are three tiers. The first portion is multiplied by 90%, then it goes to 32%, then to 15%. Once you've made enough money so that you are in the 15% multiplier then it becomes difficult to make a significant increase in your social security benefit.
@martypoll
9 күн бұрын
I actually did retire at 55 in 2011. I was able to receive a work pension at 55 and I remained in my work health benefits system. I started receiving my Social Security benefits at 62. I’m guessing I had between 30-35 years of Social Security contributions. As for monetary opportunity costs, you should consider the value in quality of life for retiring when you are younger and healthy. Experiences can be more valuable than money. In my case I am getting a generous pension from a 30 engineering career. That work pension gets annual cost of living increases. Social Security is 25% of my total income. I am living in Thailand where my cost of living is lower. I also declined paying for Medicare Part B which saves me about $170/mo. Thirteen years later I have no regrets about these choices.
@kablah777
8 күн бұрын
How is your Thailand experience? I am learning more and more Americans retire in Asian countries.
@martypoll
8 күн бұрын
@@kablah777 The major destinations are Thailand and the Philippines. There are many KZitem videos comparing the two countries for expats. Whatever country you are considering you want to visit there first. The country with the most expats is Mexico. Central America and Eastern Europe are other retirement hot spots and locations with a lower cost of living.
@dawndarling2277
8 күн бұрын
Super curious what someone in your profession with that many years gets in pension. If you don't want to share, I get it. Also, curious what your SS is as well. Mine is $2200 at 62.
@martypoll
8 күн бұрын
@@dawndarling2277 Yeah . . . I won’t share but I was a mid level engineering manager at the University of California in 2011. So after 30 years my salary was the average of our region. Retiring early at 55 I got a good fraction of that.
@dawndarling2277
8 күн бұрын
@@martypoll I work for the state so my salary/dept/position has been online for all of my state career. It's probably different depending on where you retire but my pension is $5546 a month. Trying to determine whether I should get SS now or wait.
@RustySpike007
9 күн бұрын
Great video, Erin. This old dog learned something new. Didn't know about the 35 year average. I'm 54 and considering pulling the plug between 55 and 58. Part of my decision will be based on indulging in a big purchase that is strictly a want. Knocking off my 3 lowest earnings years in the process is tipping the scales towards 58.
@ErinTalksMoney
9 күн бұрын
Glad it was helpful!
@charlotte.ethan4
3 күн бұрын
Social security benefits for seniors are an essential safety net for many, but it's also crucial to plan ahead and invest wisely for your retirement. Diversifying your investments across can help build wealth over time. It's never too early to start saving and investing for a comfortable retirement. I’m 63 and my husband 65 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle made it possible for us this early even till now we earn monthly through passive income.
@hassankhaild9449
3 күн бұрын
Alright phyllis, speaking in general terms, investing requires a good amount of knowledge. That's why it's essential to have a solid support system like a financial counselor, especially when picking out assets. I've been working with Laura Grace Abels , who is an investment advisor at a registered wealth management company. I can't recommend her enough; my financial journey has been fantastic thanks to her. She's quite well-known for her services, and she helped me achieve financial stability through investments. Now, I benefit from her passive income strategies every month. So, I'd strongly suggest finding a reliable investment advisor for yourself ..
@hassankhaild9449
3 күн бұрын
Laura Grace Abels is based in the United States and can work with anybody wherever they stay. If you would like more information about her, you can conduct a search online.
@zulma3092
3 күн бұрын
Personally, I'm blessed and realizing I'm not the only one working with Laura Grace Abels . I will consider myself lucky. I've been able to feed and make a living through her service and great work. For such a person as Laura, I owe her gratitude, support and endless prayers as it is not easy to gain access to such a competent and reliable adviser. Who isn't just wise but has all it takes to handle an investment and is good at what she does..
@WilliamsHank-ie5hd
3 күн бұрын
Thanks buddy.I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely
@ddc2343d
2 күн бұрын
When I was 25, I met with my first financial advisor who went over social security with me. He did the calculations based on my salary at that time and asked me if I could live on that amount of money. It was very eye-opening and motivated me to save/invest at least 10% of my income starting at that age. I just hit 50, and I actually don't include Social Security in my retirement income planning. I'm on track to retire at 58; Social Security will just be icing on the cake.
@MindsEyeVisualGuitarMethods
3 күн бұрын
I've done nothing smart and always accepted people not paying me what I'm worth I squandered money and now I have 3 years to 55 but no way to retire ever. If you're young and reading this and nobody told you the importance of what to do, start saving today. You don't want to face this level of uncertainty
@markwilkins1544
9 күн бұрын
Hi Erin, great video! Very informative! And btw, you’re looking gorgeous this morning. Love how you went into detail about social security. And love your outtakes! 😊 Hope you have a blessed weekend 😊
@ErinTalksMoney
9 күн бұрын
Thanks Mark! I hope you have a wonderful weekend! 😊
@codecaine
4 күн бұрын
I retired at 40. I made sure I did not have to depend on social security. Time is your most valuable asset.
@Phil-m5d
Күн бұрын
I retired at 49. The only thing I regret is not retiring at 39!
@Brian-nb6fb
9 күн бұрын
Great job clarifying a difficult subject! It truly is an individual decision as to when to begin collecting SS.
@ErinTalksMoney
9 күн бұрын
Thanks so much for watching!
@geopepsi3524
9 күн бұрын
Thank you for posting this! I'm 52, but my company is reducing staff and I highly doubt retirement going to be on my terms. So it's good information to have.
@ErinTalksMoney
9 күн бұрын
Glad it was helpful!
@MrGoodaches
8 күн бұрын
I retired at 58. I was in a line of work my whole life that demanded ridiculous hours and it was difficult to actually use vacation time. So I wanted out to go catch up on living before I was dead. What helped that choice was that I already had 34 years over the max income that SSA uses in the benefit calculation. My 35th highest year was close enough to max to not change the calculation enough to make getting one more year over max worth the wait. I share my example just to encourage others to do the math on your own situation. I had several colleagues who were making their decisions based on hearsay and general recommendations by “experts”. DO THE MATH FOR YOUR SPECIFIC DATA.
@rodneyhaveman5261
9 күн бұрын
This is really, really helpful. My wife and I are considering when to retire starting at 55 and did not consider this aspect. Thank you!
@ErinTalksMoney
9 күн бұрын
Glad it was helpful!
@johnhansen8272
3 күн бұрын
I retired at….you guessed it, 55. I am so happy we did. Barring some tragedy my early retirement has without a doubt added years to my life. We bought a small farm and working outside keeping the farm going has done wonders for my mental and physical health. I will begin looking at SS around age 67 but if things remain as they are today I will be waiting until 70 as the former primary wage earner. My wife began her SS this year at age 62 with much joy. Thanks for the video.
@erikkarhu3706
7 күн бұрын
Retired last year at 55. I will claim Social Security at 62, it would take 17 years to break even if I wait until 67. The Social Security website has a calculator where you can enter the years with zero as your reported earnings to figure out how it changes your benefit. Retire as soon as you can, best year of my life, busy doing what I want to do.
@darinherrick9224
9 күн бұрын
You’ve convinced me to retire at 55. Thank you. I have a lot more Hope now.
@LiamRappaport
9 күн бұрын
I was worried until you got to the wage indexing part, but somehow you covered everything in 11 minutes. The SS calculation is actually fairly straightforward (albeit with many steps) and you can make an excel spreadsheet to calculate what you might receive. Of course since the taxable maximum and indexing factor/multiplying factors for previous years change every year, and you don't know your exact future earnings, it's more of an estimate than an exact projection.
@Iffy50
9 күн бұрын
This was a fantastic video! I'm 52, so this was very interesting to me. (despite having no plans to retire before 62 at earliest) There were great facts about how social security is calculated, very useful!
@ErinTalksMoney
9 күн бұрын
Glad it was helpful!
@_DB.COOPER
7 күн бұрын
I retired at 51 after a 30 year career with a pension and healthy TSP. Part of my pension is supplemental social security. I’m having a blast!
@_DB.COOPER
6 күн бұрын
@@slicksmith856 yes but then Social Security kicks in if I elect to take it at that age and I will.
@_DB.COOPER
6 күн бұрын
@@slicksmith856 I was a Federal Agent for 30 years and retired early. I’m currently 58 and will draw at 62. SS Administration tells me that I will receive $2,500 a month at 62 and $3,500 a month if I wait until 67. I put a pencil to it and I come out ahead in the life expectancy column if I draw at 62. My goal now is to live to 62. Enjoy retirement my friend.
@markbd9775
15 сағат бұрын
No way! I bet you were a Rural Carrier with the USPS lol (yeah I read the rural forum)
@_DB.COOPER
15 сағат бұрын
@@markbd9775 Border Patrol.
@mikeg0802
5 күн бұрын
Great video! My target is around 58 🙌🏼🙌🏼. 13 years to go! Been maxing my HSA every year with a goal of having $100k in there for health insurance by 58!
@Random-ld6wg
9 күн бұрын
i retired at 55 3 yrs ago. being an immigrant, i only have 25 yrs contributing to SS. apart from the first year 1997 where i was short of the max by about 3K, everything else maxed the SS limit. at least the missing years are the newer years rather than first yrs of the 35 yr period. amazingly it is still a good amount if taken at FRA. the biggest fixed cost , of course, is private health insurance. i have hdhp and fully contributing to a family HSA/$9300, and paying medical costs out of pocket so i am still saving in retirement. i am living off my taxable brokerage as i leave my retirement plans untouched for now. my marginal rates are filled by roth conversions and my living expenses( from the taxable brokerage) are taxed at 15-18.8%. I'll start tapping my tax deferred at 63 or so (stopping roth conversions then or markedly reducing it) at the lower brackets and then let the taxable take up the slack. a healthy taxable brokerage is key for my situation.
@ErinTalksMoney
9 күн бұрын
Thank you so much for sharing your lived experiences!
@videoswitch
8 күн бұрын
I’ve been watching retirement savings videos for a year, and this is one I’ve been missing. Excellent research and detail about social security. Thank you!
@ErinTalksMoney
7 күн бұрын
Glad you enjoyed it! 😊
@Andocus1213
9 күн бұрын
Great explanation on the effect of SS benefits on early retirees. One major factor that was missed from this video are SS bending points. The short version of it is that at $150k income the effect of working longer (35 years vs 30) is much smaller than at $50k(used in the video) Do the math and you will see that 35 vs 30 makes little difference for someone making $150k
@JRspeaking
9 күн бұрын
Interesting. I'd like to hear more about this.
@educatedwanderer9293
9 күн бұрын
It's incidental, I am happy to go to 60... it works well for me.
@adabamas
9 күн бұрын
I don't know how to do the math, can you provide an example for this scenario?
@Satjr35031
7 күн бұрын
@@adabamasThe second bend point is around $7,000 Say you work and your AIME goes from around $7,000 to $7,400 you only get 15% or $60 a month more in your check.
@BR549_o7
7 күн бұрын
this was very easy to follow along. Great explanation. Loved the bloopers at the end.
@joshuahorner2639
9 күн бұрын
Thank you for the excellent summary as to how Social Security calculates AIME. I was a bit confused as to the often cited “working for 40 Quarters” vs. 35 yrs. in your example? I started working at 16 but have years of minimal to no income during high school, college, graduate school, professional school. I will likely retire at 65 but not claim SS until FRA. Your videos continue to get better and better😊
@ErinTalksMoney
9 күн бұрын
You have to have 40 quarters in order to qualify for Social Security benefits. You can earn 4 quarters in a given year. So you have to have at least 10 years of work, in order to qualify for Social Security. Think of that as the starting line for being able to claim. Social Security will use your 35 highest paying years in order to calculate your benefit. So someone could have only 10 years of work, and still claim Social Security, the remaining 25 years would show up as zeros in calculating their social benefits. I hope that clarifies things.
@joshuahorner2639
9 күн бұрын
@@ErinTalksMoney Yes, thank you.
@robotbaker5
9 күн бұрын
A very timely video. I’m 31, but was doing research on this exact topic today! It was super hilarious to open KZitem and see your video topic matched up with my research!
@ErinTalksMoney
8 күн бұрын
That’s so awesome!
@FIRED13
8 күн бұрын
Google knows all!
@andrewrivera4029
Күн бұрын
Work hard, invest and over time you will not regret it!
@MaxPower-11
9 күн бұрын
It’s actually more complicated than what’s presented in the video because of social security bendpoints. Once you reach the third bendpoint, you receive back so little compared to your earnings that working extra time just for extra social security is not worth it.
@mikebarnes2294
9 күн бұрын
Correct me if I am wrong but isn't the first bendpoint between 90% and 32% and the second bendpoint between 32% and 15%. I don't think there is a "third" bendpoint.
@MaxPower-11
8 күн бұрын
@@mikebarnes2294 Yes… 90, 32, 15 so I meant 15% as the “third” bendpoint. My point is that once you reach 15%, it really doesn’t matter if you have zeros in remaining years in your 35 year calculation. Any additional earnings you have beyond that are going to “earn” benefits at such a low rate that you might as well not worry about it if the trade off is enjoying an earlier retirement. This is a crucial point that wasn’t really covered in the video.
@MaxPower-11
8 күн бұрын
@@mikebarnes2294 I was referring to 15% as the “third” bend point. Once you get to that point you are “earning” so little on your contributions that it doesn’t really matter if you end up with some zero-earning years in the 35 year computation regardless of age.
@FIRED13
8 күн бұрын
Financially, the benefit of working more would be to keep from spending down your retirement portfolio too early. You'll have to run the numbers to see the effects of when you quit work on your portfolio
@MaxPower-11
8 күн бұрын
@@FIRED13 obviously, the longer you delay spending down your savings/investments, the more of them you’ll have for later. This video however was specifically about social sec and the effects of having no wages for any of the 35 years in the calculation. My point is that if you are already past the 15% bendpoint, working any longer will only increase your benefit by a tiny bit, regardless of how many years of zero earnings you have.
@alinatamashevich3354
9 күн бұрын
Erin, my b/f's father retired at 48. He had lifetime heath insurance as well as a pension. Combined that with his investments and SS, he was making more than he did while working! Some people hit the jackpot.
@Fastapproaching
4 күн бұрын
Most people that retire at 55, Don't really worry about social security at all, social security is just going to be extra money
@keith-rx1mq
9 күн бұрын
Great content and well produced video.
@ErinTalksMoney
9 күн бұрын
Thanks for watching
@wisenber
4 күн бұрын
I went with buying rental property starting in my late 20's then added several more with the real estate collapse. My work is unrelated to real estate. I work because I enjoy what I do and the interactions I have with my customers. I've been working 10-20 hours a week since my 40s. At 10 hours, it'll exceed anything I may or may not get from SS. Social Security and retirement accounts never factored into my planning, as my income will never really stop.
@cpizani
9 күн бұрын
The end bloopers are great!
@robertlaird6746
Күн бұрын
When I was 19, I purchased raw land and also purchased a very used travel trailer to live in on my land rather than paying rent to someone. After working construction building custom homes from the ground up for my boss, I designed and built my home debt free all by myself. When I finished building it, I sold it and did the same thing again. After I had sold my second home, I quit my job and continued doing the same thing but keeping them as rental properties. I retired after my tenth rental when I was 31.
@rab52764
9 күн бұрын
Retirees need to do the math to decide when to start taking social security. I looked at what my monthly benefit would be at 62 vs 67. Yes, the benefit increases when you wait, but you also have several years of receiving that lower benefit by not waiting. I tracked total amount received for each one, starting at 62 vs 67, and compared the data on a graph. The two lines didn't cross until age 82, by which time I figured my expenses would be lower. Several ftiends did it too and found pretty much the same thing. That's what made me decide to start drawing at 62. The benefit is indexed to inflatiom, so my purchasing power (technically, anyway) stays the same.
@shawnbrennan7526
9 күн бұрын
Most calculators find the crossover point is closer to 78. 82 seems like you’ve done something odd in your inflation assumptions.
@thomasmoshier3920
9 күн бұрын
You have to factor in survivor benefits if you have a spouse. The longer you can wait the better. SS is also subject to COLA ‘s. The larger the benefit the larger the annual increase. No one can live off SS benefits at 62. More importantly drawing early limits what you can earn annually until you reach your FRA. Which for many now is 67. Serious health issues are really the only reason to take SS early. If you want to retire at 60, fund retirement with your own resources and wait on SS.
@billhillify4924
9 күн бұрын
My dad had a favorite uncle who came out west to see a large piece of property my dad and mom had agreed to purchase recently. My dads uncle had just retired at 65 and went back home after his visit. He died 6 months later from cancer. At the point my dad decided he would retire at 55. He and my mom retired at age 56 in 1999 and so far so good. My dad told me this when I was very young and I took it to heart. I am 4 months short of my 56 birthday and anticipate retiring within the next year +/-.
@rab52764
9 күн бұрын
@shawnbrennan7526 I didn't make any inflation assumptions. I simply took the amount SSA said I would get at 62 vs the amount they said I would get at 67 and plotted it our. Came out to just about age 82. Even if it was 78 my statement still holds. My expenses would be lower at 78 than at 62 so it made sense to start drawing at 62.
@shawnbrennan7526
9 күн бұрын
The amount you get at 62 is 70% of what you’d get at your FRA of 67. (Your FRA is 67, right?) Therefore, the point at which total payments to-date are equal is 77 years 8 months. (200 months at 70% = 140 months at 100%).
@ronmorrell9809
Күн бұрын
A couple of my thoughts. I stopped having fun at work after about 37 years. 1.nAfter gritting my teeth for another year, I found that replacing low earning years with high earning years was increasing monthly payout by $15/month. 2. Studies of satisfaction vs income show plateauing after $70,000/year (without attention to renting vs mortgage, vs paid off). 3. My mom's fatal heart attack at 55 and dad's early onset Alzheimer's needed consideration. 4. Retirement is wonderful.
@Dave_D.
9 күн бұрын
I am shooting for retiring at 50. Don't know how close I will get, but that's the goal. I will have 33 yrs of earnings at that time (if I remember correctly). There are some good tools out there (one from SS itself) that you can use to determine your benefit based on your existing yrs (with 0's) and with yrs worked into the future. Every extra year I work would give me about $600/yr more. And once the 0's are gone, it would be a little less extra per yr, because even the yrs I made $20k get indexed to a surprising amount so my current income isn't 5x more, it's more like 2.5x more. Now it all comes down to is working another year worth the $600 extra? Is 5 yrs worth $3000/yr? Everyone has to decide that for themselves. I do all of my retirement calcs on just my $, I don't even account for SS. And the bigger factor for me is bridging the 9.5 yrs w/ savings until I can start withdrawing from IRAs.
@FIRED13
8 күн бұрын
Don't know how old you are atm, but at some point close to your target, use a reduced SS (like 70% of what the SSA estimates you are going to receive, which caters for the potential instance where SSA needs to reduce benefits to remain solvent) for budgeting. Otherwise, you are good to overshoot your RE date by quite a bit.
@Dave_D.
8 күн бұрын
@@FIRED13 I typically don't even use SS in my retirement calcs. If I think I am good w/o it, I should really be good w/ it regardless of how much.
@ld5714
9 күн бұрын
Hi Erin. I've been meaning to tell you that I like the new hair style, look very nice on you. This was a very good video and discussion of the nuances of the SS payments and how increases and decreases in the computation years would affect Social Security retired-worker benefits. Your listeners will find this very benificial and useful in their planning processes. Have a great week and I"ll see you on the next one. Larry, Central Valley, Ca.
@ErinTalksMoney
9 күн бұрын
Thank you so much, Larry! Honestly, retirement related, and Social Security videos are my favorite ones to make. So I had a lot of fun with this one. I hope people see a lot of value in it. I hope you have a great weekend!😊
@jiminfla5951
9 күн бұрын
I still have no idea why someone would wait until 70 to retire when your life expectancy in the US is around 75
@mikeg9b
8 күн бұрын
I don't think you should assume that, since the U.S. life expectancy is around 75, that you should expect to die at around age 75. If it's an average, there are a lot of people who die in their 20s, 30s, 40s, etc. from car crashes, drug overdoses, accidents, etc. that bring down the average. Also, some subpopulations in the U.S. die earlier because of less-than-ideal lifestyle factors, like poor diet in the South. Since you are a person sophisticated enough to contemplate the topic of this video, you will probably also contemplate how diet and physical activity level choices will affect your lifespan. Eat healthy, take a brisk walk every day, monitor your blood pressure, and see a doctor every year to check your blood glucose and cholesterol, and you'll probably live way past 75.
@jiminfla5951
8 күн бұрын
@@mikeg9b “Probably” is the key word.
@Satjr35031
7 күн бұрын
Possibly Survivors benefits
@lpslpslpslpslpslps
7 күн бұрын
If you make it to 70, your life expectancy is much greater than 75. If you make it to 62, your life expectancy is now 81. If you make it to 70, your life expectancy is now 84 (because, think about it-- we are excluding everyone who died before 70 when making the calculation). Just look up an actuarial table. And 81 is about the age where you break even from delaying. Any longer than that and you win big from having delayed.
@jiminfla5951
7 күн бұрын
@@lpslpslpslpslpslps once again “If”. So give up 8 good years of your prime to “possibly” live past 70 and “have a good chance” of living much longer.
@GorgoReptilicus
Күн бұрын
Thank you for this very clear explanation. I can’t retire until I’m 70 due to me not starting a retirement fund until it was too late. However my son wants to retire early. I’ve sent this video to him so he could consider the questions you ask after explaining the logic behind the numbers. Thank you for this!
@ErinTalksMoney
Күн бұрын
Thank you so much!! 😊
@miketheyunggod2534
9 күн бұрын
I retired at 55. Who says it’s early. The corrupt government? I will be collecting SS in January at 62. Have two pensions.
@johnurban7333
7 күн бұрын
Great video Erin. People should try to figure out how to retire early. I’m glad you’re putting out videos that are not of the norm. I wish I had thought the way you do about finances when I was young. Keep up the great work.
@Arthur-Silva
5 күн бұрын
Im 48 and I want to retire tomorrow.
@Goodzz
4 күн бұрын
This was so easy to understand. Thank you.
@bvoyelr
9 күн бұрын
Friendly reminders re: social security: 1) That's your money 2) They did not ask permission to take your money 3) Any asset manager who offered you the returns offered by social security would be immediately fired. Out of a cannon into the sun. Social security takes 12% of your income. In exchange, they give you a bare fraction of what you could do with that money on your own. In my example, (granted I'm pretty young so we just have to estimate), SSA estimates that they'd give me $2,400 per month. For someone living under the 4% rule in retirement, that is about a $720,000 nest egg. If, instead, I took that 12% and managed it myself, it'd likely be closer to $3,000,000. For you 4% rulers out there, that's $10,000 per month. OVER FOUR TIMES what Social Security is going to give me. And since it's *my* money, I can take it out early if I have enough and don't friggin' wanna work anymore. Down with the SSA. Let us manage our own retirements again!
@martywilliard
9 күн бұрын
95% couldn’t manage that. Most people cannot come up with $1k in cash …. I get it. But majority would not make it
@bryanwhitton1784
9 күн бұрын
@@martywilliard Yeah. He is a dreamer. You just have to look at the situation when SS was brought into being. The elderly couldn't retire or retired to a harsh life of little to no income. Hopefully with a family member. Far too often it was out on the street selling apples. It was never expected to be a total replacement of your working income but was expected to keep the elderly off the streets. If the trillions that is in the SS trust fund were suddenly invested in the stock market I wonder what the affect would be. I honestly am not sure if it would go through the roof and be incredibly over valued or if the prices would crash. But I seriously doubt that the returns would continue as it has.
@shawnbrennan7526
9 күн бұрын
Many of us thought the same thing when we were young. Best to think of SS as “life insurance”: it provides some income to live on if you go beyond the average life expectancy. BTW, unless you are self-employed, it’s 6.2% from you and 6.2% from your employer. Let’s not pretend your boss would increase your salary if they didn’t have to pay into it.
@bryanwhitton1784
9 күн бұрын
@@shawnbrennan7526 Exactly. It is the somewhat inflation adjusted annuity that we "know" is going to be there. That is why they can only invest the trust fund in federal backed bonds. It was considered the safest investment vehicle for guaranteed investments. It is critical to avoid risk and not lose money on something that is guaranteed.
@BrianK-zz4fk
9 күн бұрын
its a ponzi scheme and the house of cards needs to fall.
@Wolfpackn8
3 күн бұрын
Great vid Erin - very informative and comprehensive!!
@cashflow68
9 күн бұрын
Great information in regards to social security. I fully retired at 59 with a small pension and been living off my dividends. I will be applying for my max SS next year at 70. I have no debt and absolutely no regrets leaving the work force. I was still relevant in my position but I wanted to leave on my terms, not my company.
@packatk7431
3 күн бұрын
Just turned 50 this year and have always planned on retiring at 55. I have one more year to pay off all of my debt and then 4 years to save for the 7 to 12 years before SSB kick in. I have a pension I'm already collecting on and a 401k just waiting to be drawn from. After watching your video I feel like I'm on the right track to put myself in a good position to achieve my goal. Keep telling myself just 5 more years.
@donjuce
5 күн бұрын
They count on you dying before full retirement age. No benefit to wait in my opinion
@andrewrivera4029
Күн бұрын
That’s why I’m hoping to disappoint them! 😂😂😂 Stay healthy and collect at 70!
@Cravenn5
13 сағат бұрын
I retired in my 40’s in 2021 it’s the best thing that ever happened to me. I bought a home at 19 I guess you could say a very early bloomer dreamer. Very fortunate as many don’t live to see retirement in our generation❣️🙏❤ Greatful
@davehenson3588
4 күн бұрын
Retire at 67. Dead at 68.
@edwardtakenaka5647
4 күн бұрын
Loved it Erin….your hair is beautiful….very informative 🌹🌹🌹
@ParisianThinker
9 күн бұрын
I never thought about retirement. I just quit working at age 33. Married a retiree at age 35, and he became my retirement. That was a happy marriage and lasted 38 years until he died. Always another way to retire.
@TheRestrictedgamer
9 күн бұрын
This is bad advice for most normal people.
@OhYeaMista
9 күн бұрын
@@TheRestrictedgamer I know right? lol. Just quit working and hope to find a pensioner who takes a liking to you. 😂.
@TheRestrictedgamer
9 күн бұрын
@@justinofboulder Using the phrase "There is always another way to retire" presents it as advice.
@vanbrendle
9 күн бұрын
Sounds like a pay to play arrangement
@TheRestrictedgamer
9 күн бұрын
@@justinofboulder I added those words to make the quote grammatically correct as an act of charity for the original comment. The change has no effect on the meaning of the phrase. Professional writers would put such changes in brackets to signify a minor modification of phrasing that has no effect on the original author's intention, but I skipped that step because this is a youtube comment and not a Master's thesis. As for the rest of your comment, which has nothing to do with the subject at hand and seems to be more of a poorly placed attempt at self-aggrandizement, I'll pose only one question: If you are so proud of your financial independence, why are you defending someone promoting the exact opposite? The original comment is a perfect example of someone who's financial situation is entirely dependent on someone else.
@Ethan-bu2zy
9 күн бұрын
Great video as usual Erin! Your hair looks great too😊
@ErinTalksMoney
9 күн бұрын
Thank you!! 😊
@commonsenseisntcommon1776
8 күн бұрын
After 4 years of Biden, I wonder if we'll even have a Country in 4 years when I reach 62.
@Satjr35031
7 күн бұрын
After 4 years of Trump putting us in debt by $7.8 trillion. He is the one responsible for 25% of our total debt.
@FrederickVanderMeer
6 күн бұрын
I retired at 52! All you need is a good agent love your content!!!!
@stevelampe545
2 күн бұрын
That was really informative, thank you!!
@leightri
3 күн бұрын
Thank you - really useful video. I am 58 and retired, but did not realize that my (taxable) company retirement that comes as a lump sum when I am 65 will (dramatically) increase my average income for the 35 years I did work. Not only that, but I will drop off a low-earning year when I began in 1986. I didn't realize there is a "double-bubble" effect of increasing my average as I add a high year, and drop a low year.
@ToxicAndFriendly
23 сағат бұрын
Apparently, Google was eavesdropping on my conversations...but this time I don't mind. I have been looking for this information...in this type of format. Thank you. New Sub.
@ErinTalksMoney
21 сағат бұрын
Welcome to the channel!! 😊
@andrewrivera4029
Күн бұрын
In my teens and twenties I used to listen to Louis Rukeyser on PBS and what I got from him was save 100 dollars a week invest it have a million dollars at the end of 30 years. So I told my wife then fiancé the plan in our 20’s FF to today 58 years young I’ve been retired since I was 53 1/2 own a ranch in Wyoming travel 6 months out of the year living on the proceeds of buying and selling real estate still haven’t touched my IRA’s waiting for 59 1/2 I plan on not filing for SSI til 70 along with my wife assuming we stay healthy so yea 100% the best thing to be retired.
@Bartonhockey08
8 күн бұрын
I love the bloopers … shows we are human. Great content.
@franchello1105
53 минут бұрын
I never heard about the 35 years before. Thanks Erin.
@miked5357
9 күн бұрын
Thank you for putting this video together. You did a great job explaining it!!!🎉🎉🎉
@ErinTalksMoney
9 күн бұрын
Glad it was helpful!
@vanbrendle
9 күн бұрын
Retired at 66 with one years severance. Best decision I ever made!
@svZia-Switch51
2 күн бұрын
Good discussion thank you. I personally believe the narrative around retirement is completely wrong, especially in the US. Often you hear discussions about how much money you might need to maintain the exact “quality “ of life you had while working. First off, quality of life is not determined by money so that narrative is wrong. There is simply no better quality of life than free time, and trading money for time will always produce a higher quality of life IMHO. Free time not tied to working (for money) allows you to choose exactly how you want to spend it, and the younger you can do that, the more options you will have for all the reasons tied to being younger. Retiring in the same region where you built your nest egg may not be the best path, whereas moving with that nest egg to a region where it has far more value, once again opens far more options. I retired at 52, and although many might says i left quite a bit of potential earnings on the table, I will never regret trading that money for time. 😊
@LifeBeautifulMess
8 күн бұрын
Great great topic! For all the FIRE talk, this topic is not covered near enough! Thank you!
@carwashesandotherfunvideos
9 күн бұрын
the bloopers were great. Love seeing that side of you
@jeffbradburn3800
5 күн бұрын
Thank you thats some great detailed information that's easy to understand.
@consumerdebtchitchat
Күн бұрын
Just found your channel. I'm 57. You are so pleasant and easy to listen to. New sub. Thanks for great info.❤
@ErinTalksMoney
Күн бұрын
Thanks for subscribing!! ❤️ welcome to the channel!!
@SamoSloga
4 күн бұрын
I retired at age 46. Was working 2-3 jobs 7 days a week. Since I was 18 year old. Now I retire and I enjoy it.
@PaulFromCHGO
4 күн бұрын
I'll be 55 in 2 weeks but as a typical Gen Xer, no pension and living check to check with a few of those zero years. Not sure I'll live to 70 to be honest. The only hope I have is that I'm now a dual US / EU citizen so I hope to be able to get heath care in the EU and not have to wait for or rely on medicare. Hopefully my social security check is enough to live on out there where salaries are lower and therefore cost of living is lower at least in some parts of the EU such as Italy. If I can somehow make that work, I'll retire in the EU in the coming years.
@mikebarnes2294
9 күн бұрын
Excellent video. Very well presented for such an involved subject.
@tonybuitrago2589
9 сағат бұрын
Excellent video! Very informative.
@ErinTalksMoney
8 сағат бұрын
Thank you! 😊
@alexanderlyon
9 күн бұрын
This was a fantastic deep dive. I didn't realize there was more to learn about SS. Thanks for doing the research.
@ErinTalksMoney
9 күн бұрын
Thanks for watching! 😊
@DanielEastland
6 күн бұрын
This is so well explained. Thank you!
@BrianK-zz4fk
9 күн бұрын
Wow what a great informative video, easy to understand and I am an early retired CPA. Never knew this as I never expected to get any in the first place😂.
@bthompson8467
4 күн бұрын
Consider drawing early while your quality of life is higher. The time value of money = value of a dollar now is worth more than the value of a dollar 5-8 years from now. Average life span is mid-70s so why not draw for 13 years vs 5-8 years. You need less money the older you get so who cares about as much monthly income after 70?
@brianadams6204
8 күн бұрын
I Look at Social Security as just extra play money and don't worry about when to take it. I plan on working as long as possible because I love my job my goal is to get to a point where I can only work 9 months out of the year and take 3 months off.
@triskaidekathirteen724
Күн бұрын
Very interesting information...thank you much
@cryptohillbilly
8 күн бұрын
Great to the point video. To me the biggest obstacle for a lot of people is the health insurance cost up till Medicare kicks in. I know it depends on where you worked but most people won't have it available for them. I'm retiring at 62 which will be at the end of this year. I have already saved for the health insurance part of it. Will file for ss at the end of Jan. 401k and other investments and savings I hope will get me through the rest of my life.
@rosemarybanner
19 сағат бұрын
I retired at 64 due to health issues, took SS….best decision EVER! Never know how many years we have left. Live life while you still have your health!!
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