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Old 12-17-2015, 04:47 AM
 
71,511 posts, read 71,674,131 times
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This stuff can really make your hair hurt because there are so many details involved that are unique.

Because the effects of what you do span decades the dollars you give up can be a lot.

For those taking it early and either investing the money or spending down invested money the wild card is your returns and the ability to stay the course in another 2008 plunge.

Very few of us at the end of the day will likely beat delaying ss if for no other reason discipline to stay the course if things get nasty.
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Old 12-17-2015, 07:02 PM
 
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Quote:
Originally Posted by mathjak107 View Post
Good luck with that plan. The good news is you can't let us know if it does not work out. Ha ha ha
My mother-in-law promised to haunt me after she died and she is doing it. So you never know.
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Old 12-18-2015, 08:44 AM
 
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Sorry to Piggyback off this, but just a simple question about my wife's benefits. We have a ways to go but I wonder how it works.


Right now, she is a stay at home mom, but we are older parents. So say things stay this way (who knows, she might go back to work at some point), and she is in line for half of my benefit. But she is roughly 7 years younger.


So if I start collecting my full benefit at say 67, will we have to wait till she is 67 (and I am 74) for her to start getting the full half? And anything earlier would be a reduced half?
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Old 12-18-2015, 08:52 AM
 
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Yes anything earlier is reduced. But if she has her own work record then she can only get her own plus an adder to her own if 1/2 your full is more than her full.
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