Overview

Social Security is not going bankrupt. It is not a scheme or on the brink of collapse. Sure, solutions are needed to guarantee that 100% of benefits are paid to eligible retirees. But only Congress can change the law to secure this vital 90-year-old program. And, if history repeats itself, they will wait until the very last minute to act. So, what should you do today? Think of the program as lightly toasted, but not burnt to a crisp. Yet. And take your time to figure out your best claiming strategy. Inside this book, you'll find everything you need to: Learn how benefits are calculated. Evaluate your options based on marital status. See how your claiming decisions impact your financial picture. Understand how taxes, work, and Medicare premiums lower your monthly payments. Social Security is not going away. But making your best claiming decision takes time, effort, and a lot of patience.

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For more than 30 years, Marcia has been talking to people about retirement income and how Social Security works. These topics are complex and challenging for most, but essential to understand. You only get one chance to claim your Social Security benefits, and 30 years to live with that decision. Make sure it's the right one!

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