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peace baby | I am nearing 62. Do you think I should collect Social Security at 62, or wait? Why? Anyone done this? |
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J
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you need to collect... you have paid your dues and you aree entitled to that. Why not take the money you paid in? go fishing or whatever it is you enjoy. live within your means and spend the rest of your life happy. I truly have to say congrats for making it that far. So take your reward and have some fun before the eventual end. Or if by some odd reason you enjoy work, stick with it if you ar happy doing so. This is really a personal decision. I know if it were me i would take the money and run just like Steve miller sang. But just make sure you make the decision based on what you think would truly make you happy. |
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mariofcalero
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My grandfather is 60 and is he retires at 65, he gets alot more money than if he retired at 62, so you should wait a while. |
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ed
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Calc the SS payments for the next 3 years when you reach 65. Then calc the difference in payments at 62 and 65.
How long will it take for the difference at 65 to make up the entire SS payments over 3 years?
Does this compute? |
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Lalana
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I heard that Social Securty is not giving full benefits anymore to those at 62 unless they are disabled. Check with Social Security. If you are fit, I don't see why you just shouldn't work until you are ready, but it you want to relax and are ready and can afford to, then you should also. Check the link below: |
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Army mom
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The amount you will collect, from the time you retire at 62 until you die, will be much much less than if you wait and retire and collect SS at 65 or 66.
If you're financially set otherwise, in good health, etc. collect at 62 and enjoy life. Otherwise wait until 65. |
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studnet 15
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For sure, take the money now. It has been proven that overall, you will get more money by collecting at 62. |
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teresathegreat
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Wait till you're 65, if you can manage it. You'll end up receiving a lot more money overall. |
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Fidget
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I helped some one consider the options. I'd say wait if you possibly can. Starting at 62 as opposed to 65 will mean lower payments for the rest of your life. It's kind of a double-edged sword: less now or tighten the belt and wait. |
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kay
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No you betta get It know 4 bush stop it and you wont get ****. |
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mbrcatz
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sure, lots of people do it.
Run the numbers. Make a guesstimate of how long you think you'll live, based on your family history and health.
Figure out how much your benefit at 62 is, times the years you have left. Now, check your statement, see what the benefit is at 65, and at 69 1/2. Multiply for the same years you think you have left.
Pick the highest number. |
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Kathryn
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I've attached a link to an interesting article on AARP's website regarding this issue.
Here's an interesting fact I learned when a friend of mine started collecting Social Security a couple of years ago. Benefits used to be paid on the first of the month, but for people who started collecting recently, they're paid on the first, second, third, or fourth Wednesday of the month (depending on your birth date). Not only that, but you can't start getting benefits until the second month after you turn 62. My friend's birth date is February 26, but he didn't get his first Social Security payment until the fourth Wednesday in April! This means that the Social Security system saved almost two full payments from what they would have paid him under the old system. I guess this is their way of putting a band aid on the massive Social Security deficit, but I think it's a bit of a rip off. |
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aaron p
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What do you plan on doing with the money? Your best bet for advice on this type of information is to ask a fee-only planner. That way you know they aren't trying to sell you something through their opinion. |
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Tim
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If you don't need the money right now wait. If you need it, take it.
The longer you wait, the more per month you'll receive. |
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fonzo
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I'd do that, AND go for welfare.. you're 62.. you could always plead insane and they'll just be all "oh you poor old timer".. you've got age on your side now.. do something before you kill over |
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♥ Sara :] ♥
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Sorry, I am too young to get social security, but i think around 60's is right, well that's what I learned in Personal Financing.
:]] |
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