Читать книгу Social Security For Dummies - Peterson Jonathan, Jonathan Peterson - Страница 55

IN THIS CHAPTER

Recognizing that when you claim affects what you get

Considering your life expectancy

Remembering your spouse

Working for greater security

Making your decision on when to start collecting

I know people who are sick of their jobs, fed up with the demands of the work world, and ready to begin collecting Social Security the very first day they can get it. I also know people who love their jobs, see themselves as forever young, and are pained even to think about collecting retirement benefits. Where do you fit on the spectrum?

Of course, the decision on when to start collecting Social Security is personal. Your priorities and needs, your spouse’s needs, your financial resources, your health, and your expected longevity all can shape your attitude about collecting Social Security.

Your decision on when to begin collecting Social Security retirement benefits may be the most important financial decision you ever make. Starting too early can cost you tens of thousands of dollars. Worse, jumping the gun may hurt the most in your final years, when it’s too late to do anything about it.

In this chapter, I fill you in on the most important factors to consider in order to make the right decision for you. There is no one right answer. My goal is for you to make the decision about when to collect Social Security fully armed with all the information you need.