计划好自己的退休生活，什么时候开始拿社会保障福利（Social Security），也是理财很重要的一部份。如果有人说推迟领社保退休福利可以拿到更多的钱，你可能会想一下。下面这个更新的视频用了1954年，1957年 和1960年三个不同出生年龄段的数字，比较了何时开始拿社保金的情况。很有参考意义。 https://youtu.be/K8-7seQ5Uxo （请copy and past this link to watch)
回复 10楼金银岛的帖子 You can receive Social Security retirement benefits as early as age 62. However, we'll reduce your benefit if you start receiving benefits before your full retirement age. For example, if you turn age 62 in 2023, your benefit would be about 30% lower than it would be at your full retirement age of 67.
回复 10楼金银岛的帖子 You can receive Social Security retirement benefits as early as age 62. However, we'll reduce your benefit if you start receiving benefits before your full retirement age. For example, if you turn age 62 in 2023, your benefit would be about 30% lower than it would be at your full retirement age of 67. iamamrman 发表于 2023-01-30 14:56
除了这个按年龄算出的折扣外，还会受当前拿的工资影响而给的更少。 You can get Social Security retirement benefits and work at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, we will reduce your benefit.
The number in item 4 in the first example is incorrect.
It should be 1320 instead 1280
Sorry. 标题是：生活在美国 - 70岁开始领社保金不一定能拿到更多的钱 (updated)
谢谢发现并指出这处错误。 幸好总数还是对的。 再次谢谢！
You can receive Social Security retirement benefits as early as age 62. However, we'll reduce your benefit if you start receiving benefits before your full retirement age. For example, if you turn age 62 in 2023, your benefit would be about 30% lower than it would be at your full retirement age of 67.
除了这个按年龄算出的折扣外，还会受当前拿的工资影响而给的更少。
You can get Social Security retirement benefits and work at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, we will reduce your benefit.
可以看看家族史， 看看你父母的寿命， 到了62岁再看看自己的身体情况， 到时候再作决定， 定不下来就65岁吧， 再说了， 其实也没差多少钱， 还是要健康快乐地活着更重要。