Social Security is a government-run program in the United States that provides a source of income for retirees, as well as for people who are disabled or the survivors of deceased workers. The program is funded through payroll taxes, and it is designed to provide a basic level of financial security for those who are no longer able to work.
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Whether you're looking for a total "do-over" or just a temporary "pause," this quick quiz reveals exactly what is — and isn't — possible.
The final decisions you make on spending, Social Security and investments can make the difference between a successful retirement and one filled with regret.
From spousal and child benefits to taxes and timing, these 20 lesser-known Social Security rules can significantly impact your retirement income.
We are one step closer to make retirement official, we have filed for our Social Security benefits! Now I'm curious - the literature we received in the mail suggested voluntary withholding on our bene...
Everyone might want to read this recent editorial from MarketWatch and Morningstar here - - https://www.morningstar.com/news/marketwatch/2026031757/social-security-benefit-cuts-are-coming-and-they-wil...
Juan and Mary in Brooklyn are 49 and 48 with $2.2 million saved. Can Juan afford to retire early, or just walk away if he gets fired? And if they get divorced, yikes - but does the math still work? Th...
Deciding when to claim Social Security is tricky — and the wrong decision can be costly. DIY investors shouldn't leap in without these tools and rules.
Retired in my early 60's. Then spent 9 years working part time at a local business. As expected I was surrounded by much younger people. For them the job was a career. I didn't need the job which of c...
We have begun working with a new advisor and they went through our investments, health insurance, expected social security, etc. If I retire at the end of 2026 at 60 year old, there is a probability o...
does anyone else's retirement plan depend quite heavily on s⁰cial security? if so, is that a major concern? I would love to hear from others who have retired or are retiring soon, who are heavily depe...
We all know we need to have an emergency fund, mine is around 6-8 months of expenses, but what's your strategy for if and when you dip into it, how do you go about replenishing it when you're on a tig...
I can follow through with either of the 2 scenarios, just trying to figure out which is best, as I cannot find an exact answer on the SS site. I am 67 1/2, past my full retirement age, I will be worki...
F67, M72. We get about income of 5500 a month spend about 4,000 a month and have $1500 left over, Next year that we will pay off our last debt and will have another $500 available. We have rebuilt our...
"Carl and Jane" have eight million bucks, and their advisor is suggesting a 130/30 long-short investing strategy. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether this is a smart tax mov...
Since 2010, Social Security benefits have lost 20% of their buying power, according to The Senior Citizens League. After 14 ... Read more
I'm considering continuing working past my full retirement date to payoff mortgage, as I can take Social Security and full salary at the same time. Is there a calculation available that one can show t...
My life is changing fast and I’m having a hard time keeping up. Just a short recap: My mother passed away late August 2025. In November, I drove across the country to have a funeral service (it was at...
Tuesday, February 24 - Monday, March 02, 2026 Most Commented score comments title & link 85 309 comments Choosing to continue to work: Reasons? 24 155 comments Have you/do you plan to downsize your ca...
Thanks to the family maximum benefit, when a retiree starts collecting Social Security, certain family members may also receive support. Here's a complete guide.
The Golden State won't touch your Social Security, but high rates on pensions and IRAs tell a different story. Can you afford retirement in California?
If you plan to punch the clock for the final time decades before "standard" retirement age, you need a financial strategy that goes beyond just saving. Joe Anderson, CFP® and Big Al Clopine, CPA spitb...
Can I (61F) defer taking payments from my retirement account when I retire at 65 and start withdrawing when I hit 70? Hubby (76M) has been retired since 65. He wants me to go out sooner but I just can...
Will the SSA send the funds abroad? Or will they direct-deposit only to a US account? Do you have to maintain a physical mailing address in the US of will a rented mailbox be OK? Do any of the answers...
This is silly I know, but just curious what you guys think. My job was eliminated when I was 60 1/2. I spent the next year finishing up my bachelor's degree in case I'd need it for work and dipping my...
Retiring at 55 is not just retiring ten years earlier. It changes the entire math of your life. From 55 to 65, expenses are often at their highest. You are covering healthcare before Medicare, traveli...
I retired June 1, 2024. My wife is still working, her planned last day is June 30, this year. Here's a few things I've noticed.... I'm maintaining our 'retirement fund' portfolio at Vanguard in the 60...
A growing number of retirees have been paying federal tax on their benefits. A new $6,000 per person senior deduction reduce taxes for some seniors, but doesn’t change the way Social Security is taxed...
Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you ...
Test your knowledge of Social Security delayed retirement credits with our quick quiz.
Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distrib...
FROM THE ARTICLE. Upcoming Bismarck and Fargo Events Will Address Varying Retirement Needs and Concerns. By AARP. Published February 20, 2026. In a recent national AARP survey, women 50 and older cite...
One in two Americans don't know much about Social Security — and some are basing their retirement on mistaken beliefs. It's time to separate fact from fiction.
Income from your pension, savings and Social Security could provide the protection bonds usually offer, freeing you up for a more growth-oriented allocation.
Hana's mom is 92. Mom's husband is 74, and after years of trying to help a family member, nearly a million dollars is gone. How do they stop the bleeding before it's too late, and how much can they sp...
I'm in career for over 42 years that I don't like anymore and does cause a lot of stress. (my current job does pay very well and feels like golden handcuffs) Retiring at 65 will get me 3100 a month pl...
Many older Americans have a simple plan for paying for retirement: keep working longer, or never stop working at all. But for a large share of workers, that plan falls apart. About 40% of people who a...
A $10 million retirement is often imagined as the finish line — complete freedom, unlimited spending, and no financial stress. The reality is more complex. James walks through what an eight-figure ret...
Retiring after age 65 changes the math and the priorities. You have fewer high-energy years, shorter tax planning windows, and RMDs much closer than most people realize. But you also often have higher...
FROM THE ARTICLE. When to Apply for Social Security Is an Individual Decision. The age when you claim is critical, but consider your health, finances and family situation, too. 6-minute read. By Andy ...
FROM THE ARTICLE. From RMDs to longevity risk, these concepts shape how long your savings last. By David Hochman, AARP. Published January 13, 2026. Most of us have spent decades earning paychecks, jug...
I manage mine. We had a money manager, but discovered after decades with him that he was collecting a 1% management fee plus there were commissions on some purchases as well as high loads on other fun...
In these sun-soaked, welcoming beachside cities, retired couples can live the good life on a monthly budget of $3,208 or less...
I’m 61 and my spouse is 68 and part of me would really like to retire. We have $1 million and a paid off house and zero debt of any kind. We’ll have about $8,000 per month in pensions and social secur...
We've paid off our mortgage, have $970K in savings and $5K each month from Social Security. Kiplinger asked wealth planners for advice.
Women often are paid less than men and live longer, so it's critical that they know their Social Security options to ensure they claim what they're entitled to.
Not all retirees who live in states that tax Social Security benefits have to pay state income taxes. Will your benefits be taxed?
Not understanding how the upcoming changes in 2026 might affect you could put your financial security in retirement at risk. This is what you need to know.
Wealthy retirees often overlook Social Security. But timed properly, it can drive tax efficiency, keep Medicare costs in check and strengthen your legacy.
Taking Social Security later results in higher future income, but that can create an income gap. Annuities can boost income until you file for benefits.
YMYW friends, welcome to 2026. What actually mattered most to you in 2025? It turns out to be tax-free gains on investments, retirement timing, and claiming Social Security. Today on Your Money, Your ...