The Social Security Administration permits retirees to work and still receive retirement benefits. However, if earnings exceed a certain threshold, benefits may be reduced. Rules differ for workers who earn income before the year of full retirement age and those who earn income during and after the year of full retirement age.
If before the year of full retirement and earning more than the limit, the social security benefit may be reduced by $1 for every additional $2 earned. For 2024, the limit is $22,320.
In the year the worker reaches full retirement age, the benefit is reduced by $1 for every additional $3 earned. In 2024, the earnings limit for these recipients is $59,520.45
After reaching full retirement age, no deductions are made from benefits, regardless of how much the worker earns.
How much Social Security will I get if I make $120000 a year? The point is that if you earned $120,000 per year for the past 35 years, thanks to the annual maximum taxable wage limits, the maximum Social Security benefit you could get at full retirement age is $2,687.
本讨论不作投资建议，也不涉及政府以后会不会设置401K上限来控制你是否有资格领取SSN，完全是自娱自乐哈。
1）这里仅比较62岁与67岁取SSN多少岁两者取出的总数相等，70岁取的自己计算哈
政府规定62岁取可以获得SSN福利的70%，67岁取得到100%，我们设定到 X 岁时两者取出数目相等，那就是
0.7 * (X-62) = 1* (X - 67)
X = 78.7 (岁）
2）如果你62岁取出的SSN 不用，而是定投到 SP500或Fidelity500 （两者一模一样）指数（或FXAIX基金）里面，那么我们看看到 79岁 （取整数好计算）62岁取出的会有多少
假定你67岁SSN每月可取 2500 （有的多于这个数，有的可能少于这个数），那么70%就是 1750。SP500 过去50年的平均回报（包括分红）是 11.13% 【1】，那么17年后 （就是79岁）你一共从SSN拿到 357000，定投产生的回报是 636292.85，总共收入为 993292.85 【2】。
你如果67岁开始拿SSN，每个月2500，也定投SP500（或Fidelity500，即FXAIX），12年后（79岁）总共收入 721141.89，其中SSN本金 360000，定投回报 361141.89 【2】。
可见，如果把62岁取出的SSN每月定投到 SP500 （或Fidelity 500），到79岁时你还能够比67取出多得 （993292.85 - 721141.89 =272150.96
不算不知道，一算吓一跳
参考文献：
【1】https://tradethatswing.com/average-historical-stock-market-returns-for-sp-500-5-year-up-to-150-year-averages/#:~:text=The%20average%20yearly%20return%20of%20the%20S%26P%20500%20is%2011.13,This%20assumes%20dividends%20are%20reinvested.
【2】https://www.nerdwallet.com/calculator/investment-calculator
https://www.nerdwallet.com/article/investing/social-security/social-security-62-vs-67-vs-70
Age at retirement
Percentage of your full benefit paid
62
70%.
63
75%.
64
80%.
65
86.7%.
66
93.3%.
67
100%.
68
108%.
69
116%.
70
124%.
https://www.kiplinger.com/taxes/will-tax-on-social-security-benefits-be-eliminated
肯定62岁取钱了！
How Earnings Are Deducted From Benefits
The Social Security Administration permits retirees to work and still receive retirement benefits. However, if earnings exceed a certain threshold, benefits may be reduced. Rules differ for workers who earn income before the year of full retirement age and those who earn income during and after the year of full retirement age.
If before the year of full retirement and earning more than the limit, the social security benefit may be reduced by $1 for every additional $2 earned. For 2024, the limit is $22,320.
In the year the worker reaches full retirement age, the benefit is reduced by $1 for every additional $3 earned. In 2024, the earnings limit for these recipients is $59,520.45
After reaching full retirement age, no deductions are made from benefits, regardless of how much the worker earns.
https://www.ssa.gov/benefits/retirement/planner/whileworking.html
要是没有闲钱岂不是更应该早拿SS
It is self-financing
对退休人士相当于 tax cut，对工作的人是 tax increase
紫檀有家长不愿给孩子付学费
在这里这个帖子就是班门弄斧了
工，因为美国有大学文凭的工作人口，只有大约35%不到，从事蓝领工在美国的是绝对多数，所以，这是很靠得住的推论，精神压力会是第一号杀手，医生是典型的白领高压职业，内科医生算是压力相对轻的，急救科，外科，妇产科更是压力大，平均寿命更短，比如急救科更是分分钟钟减寿，其它白领职业也类似。
白领早退休，多花时间旅游，多花时间做适当的体力劳动，少承受精神大脑的工作压力，绝对对健康有利！特别是家族基因不特别长寿的，早退休更是受益非浅。
缺钱只好迟退休，没有人会歧视，每家都有难处，但千万不要自己找理由是为了健康长寿才延迟退休。
full retirement age， 通常是67岁
67岁不拿， 是按 8%增长。
所以， 到70岁， 就是 FRA的 124% （数字是大约数字）
还有， 不申请去领社安金是没有补发这一说的。
所以， 基本规则搞搞清楚， 很重要！！！！！
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How much Social Security will I get if I make $120000 a year? The point is that if you earned $120,000 per year for the past 35 years, thanks to the annual maximum taxable wage limits, the maximum Social Security benefit you could get at full retirement age is $2,687.
头一年社安金有17年回报，第二年的有16年回报，以此类推，最后一年的只有几个月回报。不能把所有加起来算17年回报！