For deciding when to get the SS Benefit, one should consider that the money in your hand can grow. The following table shows that if I assume 5% growth rate (after tax) for the money in my hand, then compare with withdrawing at 67, the breakeven age for taken SS benefit is 84 years old. not the 80 years as the government told us. If we count in the risk that SS benefit could decreas due to depletion of the fund, we should also take SS benefit earlier than later!
因为， 钱在你手里是可以生钱的。 如果考虑钱生钱的因数， "break even"的年岁就更晚了。
假设 你税后的收益是5%， "break even"的年岁就是84 而不是政府告诉你的80了。
If we count in the risk that SS benefit could decreas due to depletion of the fund, we should also take SS benefit earlier than later!
现在就是调侃你们。啊哈哈哈
得等几年才能拿SS
对了，俺至少还有好多年才能拿呢，也不操心了，到时候说不定没有了