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Old 02-22-2016, 03:59 PM
 
Location: VT; previously MD & NJ
2,207 posts, read 1,351,512 times
Reputation: 6344

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Quote:
Originally Posted by jane_sm1th73 View Post
THE time-honored mitigation strategy is to build a tribe within larger, existing institutions that have pre-dated you, and that will go on after you. A tribe is paramount!


The single continuous institution that provides a Tribe (writ large) and a tribe (of your own, gathered from within the existing institution) is a church family. Doesn't matter what denomination. The institution - for older adults - provides a gathering place for people with common interests, just like college does for young people. "Common interest" can be volunteering; chaperoning on trips; baseball games; knitting; READING!! - many denominations have deep scholarly traditions. Hence, if you're a scholar at heart (I am), you can find a tribe. The best bonus: your church family functions as extended eyes and ears in the event you need to find out "Where Can I Get X, Y or Z".


There are those who pronounce, defiantly, that "I'm not religious". For those people, who are alone, elderly and lonely - they cannot afford their pretenses. A church can be a place around which to structure your time, since a church of any size provides a host of programs and interest groups, all of which meet weekly.


Best to you!
While a religious group may have various interest groups within it, it still assumes its members agree with its main purpose, the religion. Your concept of finding a tribe is valid but I for one would have to be very hypocritical to do that at any religious organization. Glad it works for you.
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Old 02-22-2016, 04:15 PM
 
Location: VT; previously MD & NJ
2,207 posts, read 1,351,512 times
Reputation: 6344
Quote:
Originally Posted by Escort Rider View Post
Makes sense to me. I can think of only three situations in which taking SS at 62 is justified.

1. You have enough money at age 62 to live O.K. without the SS, you plan to invest the SS, and you think you will do better investing it yourself instead of waiting.

2. You are destitute and desperate at 62 and you need the money in order to live even a very frugal life. For some reason, working full time is not possible.

3. You have a serious health issue which makes you think you will not live to your statistical life span. Or mostly early deaths in your family make you think the same thing.
4. The amount you have saved/invested plus the age 62 SS payout amount is enough to retire on.

I didn't care about getting the extra SS dollars by waiting because I determined I had enough to live comfortably at 62.
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Old 02-22-2016, 07:20 PM
 
Location: Los Angeles area
14,018 posts, read 17,751,136 times
Reputation: 32309
Quote:
Originally Posted by ansible90 View Post
4. The amount you have saved/invested plus the age 62 SS payout amount is enough to retire on.

I didn't care about getting the extra SS dollars by waiting because I determined I had enough to live comfortably at 62.
I figured someone would probably come up with a reason in addition to what I posted. I do not disagree.
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