Thank you for writing. This is such a tough question! Here are some of my thoughts from a book I worked on:
Your attitude is probably the healthiest one: Cycles in the recent past have all been years in duration, bottom to bottom. You can get a significant jump by once a decade selling and buying. It seems like it would be really costly pulling money out of the market for years while waiting for a correction and difficult to know when it has hit bottom and is time to reinvest the money.
Too bad, there was no internet when I was young. Tako Escapes April 25,8: For my own calculations, I did not include SS. Everything else is going to come from small businesses and investments.
Anything we do end up receiving will be gravy on top! I expect to retire off of my own money! Social security was meant to be a supplement and people are now expecting it to be their entire means of retiring!
Such a scary and unstable idea!!! Most readers agree with you. I have been out of the Social Security system for years because the school district pension scheme and self employment.
The penalty is minor compared to what you can elsewhere. When I retire again I will be penalized because I receive a pension.
My mother in law just retired from teaching and she is in the same situation as you. Thanks for the info. Everyday Dollar August 8,7: Can you clarify when you say you have 20 years of earnings?
Does that mean your part-time jobs at under 20 years old counted? So I guess I have 15 years then given my work in HS. I should just check my SD statement. Not to be too grim, but Mrs.
Hardly seems worth the effort — if you can live on the lower amount. Welcome back from your honeymoon. The money that goes out of my paycheck, unfortunately, I consider lost money, the cost of living in the America. It definitely informed me about SS benefits. Our government might surprise you.
Politicians want power and know they will be voted out of office if they reduce benefits. They also know we own guns and are scared to death of people rioting in the streets.
SS will never pay all you bills, but it will be there.
That must feel pretty good! How in the world do they come up with those formulas? Like you, we will just use SS as a bonus and not count on it. My in-laws made some bad financial moves and are living solely on SS right now.Sep 02, · Social Security Maximizer.
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Pre-Social Security Period.
Traditional Sources of Economic Security. All peoples throughout all of human history have faced the uncertainties brought on by unemployment, illness, disability, death and old age.