a spousal benefit does not increase if you wait until 70 to claim it. While the worker's own retirement benefit increases by 8% annually for each year they delay past full retirement age (up to 70), spousal benefits max out at 50% of the worker’s full-retirement-age amount
a spousal benefit does not increase if you wait until 70 to claim it. While the worker's own retirement benefit increases by 8% annually for each year they delay past full retirement age (up to 70), spousal benefits max out at 50% of the worker’s full-retirement-age amount
a spousal benefit does not increase if you wait until 70 to claim it. While the worker's own retirement benefit increases by 8% annually for each year they delay past full retirement age (up to 70), spousal benefits max out at 50% of the worker’s full-retirement-age amount
We have no pensions or annuities ( not interested in them) but our combined SS and my RMD are more than enough for us. We give each of our 4 grown kids the bulk of the RMD. We have about $1.5M in my IRA in Vanguard’s federal money market and 1/3 of it in VUSB, ultra short term bond ETF, with some also in VG’s SP500 ETF. This is more than enough for any sustained market crash. The rest of our assets are taxable and in stocks and ETF’s, which is over 70% of our portfolio. As many others said, we’ve been through many ups and downs and just ride them out.
The average consumer doesn’t have the assets the readers of this blog have. Most here are not worried, it the younger crowd growing a family and paying exorbitant child care fees worry about the rise in prices this year, now exacerbated by the war the US started in Iran
That account is a one time $1,000 seed deposit, but if you do not have the money after that, it does not guarantee a healthy and wealthy retirement fund. Many experts say you would be better off with a 529 plan. But again, you have to have the money to invest
You are half right. Most CANNOT save. Bit you are dead wrong. Most DO NOT prefer government programs. Some may, but not most. Ever hear of the working poor? According to reports, up to 51% of households are struggling to cover basic expenses.
Comments
a spousal benefit does not increase if you wait until 70 to claim it. While the worker's own retirement benefit increases by 8% annually for each year they delay past full retirement age (up to 70), spousal benefits max out at 50% of the worker’s full-retirement-age amount
Post: Rethinking the “Right” Time for Social Security
Link to comment from April 25, 2026
a spousal benefit does not increase if you wait until 70 to claim it. While the worker's own retirement benefit increases by 8% annually for each year they delay past full retirement age (up to 70), spousal benefits max out at 50% of the worker’s full-retirement-age amount
Post: Rethinking the “Right” Time for Social Security
Link to comment from April 25, 2026
a spousal benefit does not increase if you wait until 70 to claim it. While the worker's own retirement benefit increases by 8% annually for each year they delay past full retirement age (up to 70), spousal benefits max out at 50% of the worker’s full-retirement-age amount
Post: Rethinking the “Right” Time for Social Security
Link to comment from April 25, 2026
If you both live long enough. That’s the point of this article
Post: Rethinking the “Right” Time for Social Security
Link to comment from April 25, 2026
We have no pensions or annuities ( not interested in them) but our combined SS and my RMD are more than enough for us. We give each of our 4 grown kids the bulk of the RMD. We have about $1.5M in my IRA in Vanguard’s federal money market and 1/3 of it in VUSB, ultra short term bond ETF, with some also in VG’s SP500 ETF. This is more than enough for any sustained market crash. The rest of our assets are taxable and in stocks and ETF’s, which is over 70% of our portfolio. As many others said, we’ve been through many ups and downs and just ride them out.
Post: Any concern?
Link to comment from April 4, 2026
The average consumer doesn’t have the assets the readers of this blog have. Most here are not worried, it the younger crowd growing a family and paying exorbitant child care fees worry about the rise in prices this year, now exacerbated by the war the US started in Iran
Post: Any concern?
Link to comment from March 28, 2026
Regardless of the inflation %, prices are higher for food, gas, rent and other things this year
Post: Any concern?
Link to comment from March 28, 2026
Many are spending every cent because they do not get paid enough.
Post: Retirement in America is not a pretty picture…and not getting better.
Link to comment from March 21, 2026
That account is a one time $1,000 seed deposit, but if you do not have the money after that, it does not guarantee a healthy and wealthy retirement fund. Many experts say you would be better off with a 529 plan. But again, you have to have the money to invest
Post: Retirement in America is not a pretty picture…and not getting better.
Link to comment from March 21, 2026
You are half right. Most CANNOT save. Bit you are dead wrong. Most DO NOT prefer government programs. Some may, but not most. Ever hear of the working poor? According to reports, up to 51% of households are struggling to cover basic expenses.
Post: Retirement in America is not a pretty picture…and not getting better.
Link to comment from March 21, 2026