Bipartisan Fiscal Commission Suggestion Surfaces (Again)

It’s been an on-again, off-again subject in the news over the years (for example, see our 2024 post on this topic), but now, with another two years closer to catastrophe, we see it once more. This time, the Committee for a…

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Definition Time: The Old-Age Dependency Ratio and its Relationship to Insolvency

Perhaps the most significant story relating to the U.S. Social Security system these days is the onerous projection of its looming insolvency. Who hasn’t seen the headlines proclaiming Social Security’s impending “bankruptcy” or the incessant warnings of a major benefit…

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Crunching the numbers of early versus delaying Social Security 

You can start receiving your Social Security retirement benefits as early as age 62. If you start receiving benefits early, your benefits will be permanently reduced. However, you are entitled to full benefits only when you start at your full…

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The biggest retirement blind spots

Retirement saving plans are not one size that fits all. Your retirement plan, which encompasses both savings and spending, must meet both your financial needs and your personal needs. Many people understand the savings part of the retirement planning equation,…

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Consider this new Social Security change as a necessary evil

With a new year comes changes. The majority of Social Security recipients are now aware of their new monthly benefit; if not, you will soon. The new amount is due to the 2.8 percent cost-of-living adjustment, COLA, along with the…

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“Ask Rusty – Am I Entitled to More Social Security as a Veteran?”

Dear Rusty: I served in the U.S. Army from July 1964 to July 1967. Am I eligible for a higher Social Security payment? Thank you. Signed: Vietnam Era Army Vet Dear Army Vet: Please accept my sincere thanks for your…

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