If you were born January 2, 1960 or later, then your full retirement age for retirement insurance benefits is 67. If you work, and are at full retirement age or older, you may keep all of your benefits, no matter how much you earn. If you’re younger than full retirement age, there is a limit to how much you can earn and still receive full Social Security benefits. If you’re younger than full retirement age during all of 2023, we must deduct $1 from your benefits for each $2 you earn above $21,240. If you reach full retirement age in 2023, we must deduct $1 from your benefits for each $3 you earn above $56,520 until the month you reach full retirement age.
原因很简单。
假如你第一年能拿5万，推迟一年后，第二年多拿8-11%. 按8%算好了。第二年多了4000块。你觉得很美，很高兴。是吧？ 其实是人家把你卖了，你帮人数钱。
为什么呢？其实那4000块并不是政府多給你的。是本来第一年你的5万块没有拿，然后政府分12年每年给你4000。 12年后你才全部拿回你第一年该拿的钱的。也可以认为是政府先扣了5万，政府每年退还4000，12年后才完全退给你。
假如你有长寿基因，20年后还是赚，能活100岁不是大赚么？其实也不赚。
因为推迟拿的钱就相当于买了年金了，只不过回报高一些达到8%。但是损失的本金永远损失了，拿不回来的，唯一的希望就是活得久些。通过多拿回报來弥补本金损失。
所以，总体来说，愿意买年金的人推迟拿社安金是不错的选择。8-11%的收入不算低。
但投坛的人肯定都是要把本金抓在自己手里，谁愿意把自己的钱让别人去投资啊？
所以社保金能拿就拿，绝不含糊。
啊哈哈哈哈 。。。。。。
The maximum Social Security benefit in 2023 is $3,627 at full retirement age.
花点401 k 里的钱吧，也就五年时间
其实本来就是62岁是标准。如果晚拿，只是帮你把晚拿的钱先存起来不发给你而已。
From ssn.gov:
If you were born January 2, 1960 or
later, then your full retirement age for
retirement insurance benefits is 67. If you
work, and are at full retirement age or
older, you may keep all of your benefits,
no matter how much you earn. If you’re
younger than full retirement age, there
is a limit to how much you can earn and
still receive full Social Security benefits.
If you’re younger than full retirement age
during all of 2023, we must deduct $1
from your benefits for each $2 you earn
above $21,240.
If you reach full retirement age in
2023, we must deduct $1 from your
benefits for each $3 you earn above
$56,520 until the month you reach full
retirement age.