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Most Recent Question and Answer on NewRetirement Answers...

Hi, Bud, thanks for the opportunity to ask a question: My husband is 61 in Nov. & I will be 68 in Nov. He wants to retire at 62 and take SS. He’s the big earner. I started at FRA taking $220 in benefits. We both are in good health & have $550,000 invested VERY conservatively in IRAs & Roths & own a $300,000 home, & have no debt of any kind. Is 62 too early for us to take SS? Oh, our monthly expenses run about $3,600. I am concerned that if I die first, he will be left with a smaller check since he won’t have my spousal SS. Thanks, Jan
Asked by a 60 year old man from Idaho Falls, ID on 6/7/2017

Yes, 62 is too young for your husband to take social security. Each year that he delays till about 66, the social security check will increase by 6% and 8% each year after that till 70. He will get 76% more social security if you use some of those savings to support the delay. It's a much better investment not just because the income will be more, but should you outlive him, your survivor benefit will be much larger. Inflation is a killer of retirement income, and the social security checks will also increase with inflation. Even if the government would cut the benefit by say, 25%, it would take some extraordinary luck for the investments to do better than social security plus those increases in lifetime benefits.

Henry Hebeler
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NewRetirement is a new approach for retirement planning – comprehensive, easy, personalized and designed for regular people. We started this company because our own parents needed help with retirement planning and there were not any affordable and trustworthy resources.

NewRetirement’s calculator is designed for anyone who is worried about their retirement – especially people nearing the end of their careers who are in their 50s and 60s. We help people figure out how to draw down their savings as well as think through things like Social Security, income streams, Medicare, work and phased retirement and how to manage debt, expenses and out-of-pocket medical costs to live as securely as possible.

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