I am now 63 years old.. I am planning to stick it out until the full age which is 66 Years and 10 Months. Do your homework and figure it out. Weigh the pros and cons and know if 62 or full age works for you. Keep the faith 🙏
The single most important thing that you need to know when choosing when to take your SS is this. More per month does not always mean more total. The reason the payments at age 62 are less is because you are going to get more checks. 48 more than if you wait until age 66 and 96 more if you wait until age 70. That said, the one piece of information that will determine which choice is better you don't have. And that is what is going to be the date of your death? With and average life expectancy in the Unites States of around 77 years and needed to live to almost 80 for waiting to make a difference, the math would suggest to take the money early. Then it's also important to put a value on your time. Would you rather have more retired time, or more money when you are almost 80. I retired 7 years ago at the age of 62 because time was more valuable to me than money. That said, everybody get's to choose for themselves.
Excellent points. A SS employee once told me (off the record) to collect it as early as possible. He said not only do you get more checks that way but if you continue to work, you are continuing to pay into SS!
@@sammencia7945 I hope you are not talking to me. Everything I wrote was positive and math correct. In fact you may never meet a more positive person that me in your whole life.
My wife has passed away at 42 years old. I have 2 small children with her and do to her ilness i am out of work at the moment. I had interview with social security said my kids will get survivor benefits and they asked if i wanted to apply since out of work. Will taking for myself mess up when im 62. Iam 50 years old and I can kinda use it at the moment.Thank you
I got a letter from IRS telling me they have no record of me. I’m like wait I have always paid and I’m 64 yo, just a few weeks ago the IRS has completed your taxes complete. I received the IRS noticed starting they had completed my current tax return. Crazy ugh. Now I must get that done. Ugh
I always tell my students who go into trades that it is a great way to start out in life but develop a second plan too because most tradespeople I know reach a point where physically they can't. Usually in 40's if work is very strenuous.
I started receiving SS At 65 we also got the Covid pay which made me go over I was informed that I owed $20,000 and they agreed to take it out of my Social Security check $500 a month until it’s paid off in a couple of years that’s where I’m at I’m still drawing Social Security which is still a pretty good amount
I got this over payment notice. They tried to say I didn't pay rent where I use to live for 12 months. I had all my check recipes and hired an attorney from legal aid. They got me right back on track and didn't have to loose a dime👍
@@janice8925 It has a lot to do with it. If you lived with someone prior to receiving SSA, you are obligated to pay your share of rent and if you didn't, then SSA will deduct the rent you would have paid from your back pay. You will also have to pay rent after you get your benefits or they will deduct it from your check.
I'll never understand that "break-even" mentality of Americans! I consider SS an annuity, and I waited until 70 to max out SS. I made this decision REGARDLESS of my life span! If my lfe is long (into my late 80s or early 90s), then I lucked out. If I die at 74, then I won't care anymore since I'll be dead, lol! I have NOT regretted my decision. I get over $4,000 a month in SS, and the last 8.7% increase amounted to several hundred dollars. My SS covers a big part of my monthly expenses. I also get a pension and rental income, and have no debts. I probably won't have to touch my investment portfolio, ever.
I know someone who received an overpayment. He took SS early and it took a while for SSA to determined he's received more than the limit in the year he retired.
Hi Dev, SSI have records to collect overcharges! But they don’t have the correct records for under recording my Income of which I didn’t understand how it worked! I actually thought that they had deducted the SS from my salary not realizing that my income was actually being underreported by IRS?? So what can I do? They expect me to come up with all of my W2’s! Shouldn’t IRS have my records on film?? I
2:25 "Many people have never heard of an overpayment letter, until they received one in a mailbox addressed to them". It happened to an lady friend of mine who drew benefits before FRA, but continued to work full time. It was a real shock to her. How did she handle it? Well, she had her SS benefits payments suspended for a while, and it was not a convenient time for an unplanned lapse in income. She had already quit working full-time by then. It wasn't like she went hungry or homeless, but it did require some major adjustments. She did, at least, warn me about that pitfall, when I mentioned I would start drawing benefits early and continue working for a while after they began.
@Devin Carroll You mention a calculation that should be done to determine if taking spousal benefits later is worth the wait. My former husband took his SocSec at the earliest possible time and I'm interested in taking these calculations into consideration - but I didn't see any link your comments. Am I missing something?
@@jotanner-hopp4415 What is it with these guys?? And honestly: what was up with ME? Letting myself get treated like that and still staying. A friend is going through similar. Don't even get me started on them executing a will that would protect us.
A poster said she received both her low benefit based on her PIA, AND then 50% spousal benefit. She was glad, but I posted that under current law SSA can claw back for all years.
Kind of Crappy deal that people who actually planned for their retirement and saved will be forced to pay taxes on money they were already taxed on just to get it back. When I run all my numbers I will basically get my ss check and just have to hand the entire check back over to cover the taxes they will be making me pay for saving for my own retirement.
Yes, sadly, we too will be essentially handing back a great amount of our SS benefit payments. We worked hard, sacrificed, and saved money so that we wouldn’t be a financial burden on our children.
Taxing SS benefits is theft! We paid into the system. We should get them back, with interest! Karl Marx and Vlad Lenin are laughing in their graves at us.
I tried the link, but it does not work. I’m trying to figure out how to get off of SSI and onto SSDI because it’s not fair that I have paid in over 10 years and because of a gap of two years, they wanted to deny me my benefits of the trust of which they already had a fiduciary duty to perform . Breach of fiduciary, duty or fiduciary obligation is a big no-no from what I have found out . I am in Opelika, Alabama. The magistrate was in Montgomery, Alabama for the hearing.
I don't see how they can approve me for SSI and said but cut off my DIC and send me Medicare and still take back some more of my money, I should have just continue receiving my DIC????
@@kbbkbbkbbkbbkbb Thanks. I am on disability and my wife just retired from Fed Govt three weeks ago and will get a pension so was just wondering so I can figure out as next year will be the first time filing under new income.
At 9:58, you say the IG reported $131,000,000,000, “billion,” underpaid to 9,224 individuals equals $14 million per person. @Tor Eckman noted the same thing . Please provide the link to that data-that's not right.
If there is such a large amount of money that people get shorted by SS for many reasons why is SS always tetering on being broke? The closer that I get to filing the less I want to get involved even though I'd never be able to live without it.
There are myriad reasons the fund is being depleted. First, there are many people from the boomer generation who are retiring (many early) and taking out payments. Second, the workforce that should be paying into the fund is being reduced (fewer people are paying into the fund to support the outgoing payments). Third, the SS admin. now has to rely on the Federal Gov't to pay it back for all the money it has loaned it from the trust.
What if you're taking social security early and you are a real estate agent and you close maybe 3 deals a year? One commission check can put you over the MET.
@@CarlosRuiz-qk9hq I pay my taxes and you obviously don't even understand the question you ignoramus! This is not a question about taxes. Try to use your critical thinking skills if you have them. But I'm thinking you don't.
@@wiznup You are worried about making more money because you'll have to pay taxes on your SS? SS is an undeserved benefit. You are collecting a Federal welfare check. Stop complaining!
Very Informative. Can you help in this specific instance. My FRA would be this year( 2023) in JULY but I will begin receiving my SS in March of this year (four months early of FRA). I also want to continue working until Sept. of this year. By the end of Sept I will have made 50,000. Will I have to pay any penalties'?
I have three years that show Medicare earnings but zero for the same year for social security earnings. The wages were low those years. Should I get it fixed and how do I do that?
Question, I filed for surviving spouse benefits at age 60. The SS Rep told me I could not file a restricted application because I was not yet eligible to receive my own benefits. I am approaching age 62. I want to continue receiving surviving spouse benefits until at least my full retirement age of 67 (may wait until no later than age 70). Do I need to contact social security and submit a restricted application so they do not start automatically paying me early retirements benefits at age 62? I was the higher wage earner and my benefits at age 62 will be higher than my surviving spouse benefits but I want that amount to continue to grown.
Is it adjusted gross income the tax is paid on or gross income? If errors are found in ones record how does one address SSA to get the numbers corrected?
Hey Devin, I will be 62 and 10 months in October. That is my early retirement age.(born in 59). How early should I contact you to help me? Or should I wait till then?
I was also born in 1959. Your FRA is 66 and 10 months. You could have started receiving benefits when you turned 62 but at a reduced amount. Your benefit amount will increase each month until you turn 66 and 10 months. If you wait until you turn 70 your benefit about will increase 8% a year for a total of 24% more. It’s different for each person and much must be taken into consideration. Things like your marital status, health status, and other income are some of the things to consider. I hope some of this helped. Make sure to check your account on the SSA website for your accurate figures.
Question how do I claim my husband SS he passed away in 2012 the lady side not till I was 50 and I'll be 50 this year I already get disability thank you
If Social Security continues to be underfunded, then In 2033, the benefits will be reduced by 30%. I suggest that a $1/ barrel tax be charged to all oil exported out of the United States, and the money be applied to the Social security funding.
Didn't know that if I had waited untill I was 60 to get married again, I could have collected my first husband SSI. He died in 1998. Hope this helps somebody.
Thanks, Devin. I appreciate all the good info. I will be 70 next May. Is there a way I can postpone my first benefit check until 1/1/2025 without losing any benefits?
I am trying to figure out when to file for my spousal benefits. My -ex is 2 years, 7 months, and a day younger than I am. I am 50 years old, & I am disabled. Any suggestions? Thank you!
On mistake #1 another common miscalculation is done in the year you reach your FRA. If you are still working in that year remember that the earnings you get in the months prior to your FRA count toward an earnings ceiling. In 2022 that ceiling is $51,960. So the later in the year your FRA is met the more caution you need to have about earnings. If you go over that limit the SS administration will take $1 for every $3 over the limit. So, if you are still working and your birthday is later in the year it might be best to wait until January of the following year to file which will accomplish two things: 1) you won't get hit with an over-payment notice & 2) Your benefit will increase a little bit because you delay filing
I really appreciate your informative videos! But I still can't find a clear answer to a question I have: If my wife starts collecting her SS at age 62 and I don't start collecting until 67, can she then adjust her SS with spousal benefits? Or is she stuck with the amount granted at 62.
She would receive her own benefit at 62 since she cannot file for the spousal benefit until after you file. Once you file at your FRA or 67 then she can apply for her spousal benefit. However since she started receiving her benefits at 62 she will not be able to receive the full 50% of your FRA amount. It will be a reduced amount. There are many variables here so make sure to check with an informed advisor before making any final decisions since your individual situation must be evaluated to make a thorough assessment. Best of luck!!
Yes, he will get more $ by waiting until 67, but how much at a lesser $ amount could he get for all the years total between age 62 and 67? Then, figure out how many years at the bigger $ amount at age 67 it would take to exceed what he would have collected at the lesser amount from 62 to 67. It's many additional years, believe me. In my case it would take TEN years beyond 70 for me to catch up, so to speak, which would be age 80....and that's if I even live that long.
Like Dave Ramsey says: the key to knowing when to file for SSI is knowing the date you will die. We can only guess when is the best time to file. You have to look at your overall health. How old were the parents when they passed? How well do you take care of yourself (diet and exercise, sleep)? How busy do you keep your mind? It is a calculated risk you have to decide on. As a spouse, you will receive a higher spousal benefit if he passes away first by waiting until 67.
Hi I watch your videos and learn alot but the one most important question I have is, when I turn 62 I plan to draw social security and work part time but I have been told so many different things about how much I can have in my bank, please help me with this
Social Security is not a means-tested benefit but there is an earnings limit (posted online every year), so, until you pass the year of your FRA, how much you earn matters, but never how much you have in a bank account.
There is good news re taxes on SS income, while yes if you earn money while taking SS benefits, you can be taxed on up to 85% of those benefits, for most recipients, your SS benefits are subject to Fed income taxes only, as most states do not tax SS income, and also, of course your SS benefits are unearned income, meaning they are not subject to the 15% SS tax as is the case with all earned income, even money earned while in retirement. The best form of income while retired is unearned, such as withdrawals from IRA investments, and rental income.
Hi Devin, I have a question: How accurate is the SSA website on one's projected amount of social security??? I am 63 and for the last 6 years I work for a company that does not pay into Social Security. Instead they give 3.5% to a 401a. Prior to working at this company, I worked for 48 years (since age 15) and put money into Social Security, so I've put in my required 40 years. That said, when I look at my benefit on MySocialSecurity, it has increased each year even while not putting money in SS, and even though my record shows $0 to social security from 2016 until now. Any idea why my projected benefit continues to increase? Repeating my initial question: How accurate is the SSA website on one's projected amount of social security???
@@kbbkbbkbbkbbkbb I don't understand your comment. But I don't make my own payments to social security. I ceased making payments to SS when I took this job 6 years ago and that money is no longer filed with social security. And I work for a state/government entity (figure that one out). I was told by HR that the SSA will make adjustments to my social security benefits as a result of funds going to a 401a. I was hoping Devin knew something about this. Devin?
@@kbbkbbkbbkbbkbb No problem -- we are all here to learn :) Thanks for clarify. I was told I will still get social security but likely at a reduced rate. What that is, I don't know. I thought maybe Devin might know how the process works...
I think it's because you've already met the 35 highest years needed for SS. Your zero years aren't counting. Cola's are added once you turn 62. Since I turned 62 my projected amount goes up a tiny bit every month on the SS site. Also got the 5.9 Cola. Hope this helps.
I received an overpayment notice about 10 years ago. It was from when I was in High School, and my second mother passed away. As a minor, I received Social Security for a short while, and was supposed to inform them when I was no longer eligible. It wasn't much, think I had to pay back $1,600 or so total. At the time I received the $200 payments it was a big deal.
@@ddebenedictis I'm sorry but I don't remember because that was a long time ago. I ran into two situations: The first was when mom passed when I was young, and payments were supposed to end about age 18, but they ran a few months longer. I don't have records because that was before personal computers. ;) But I had to pay something back. Then a couple decades later, I was told they had collected the funds improperly. last time was when they collected too much from me. My records show I chose number 2 of 3 options, some of which didn't apply to me. I think I figured I had over collected in the first place, so didn't mind paying it back later, so I just let it go. 1. To dispute the original over-receipt or subsequent collection. 2. To consider the matter closed. 3. To request a refund and make payment arrangements.
Christine, this is only an assumption on my part but a logical one. Bankruptcy does not forgive federal or state debt (taxes), Department of Labor debts, or criminal charges court owed debts (civil court judgments may be forgiven), and so on. Due to this, my assumption is that bankruptcy will not dismiss your SS overpayment debt. This is an assumption, consult a BK attorney. Best wishes.
Hi Devin. Thank you for your videos. I am currently retired, but 2 years before my "full retirement age", and receive a monthly pension benefit from my former employer. My SS benefit would be based on income I received while paying into SS over my 40 year career. I have not yet applied for SS b/c I am fortunate in that I can wait. I want to go back to work doing something different, but I am concerned about the extra income because I have to apply for Medicare this year. Re, the social security income limit, is my pension income considered "earnings"?
If you are receiving SS before full retirement age and you have other income, you can earn $21,240 (2023) before your benefit will be reduced. You can earn $56,520 in the calendar year you reach full retirement and file for Social Security. Income that does not count toward the earnings limit includes: Pension payments Most annuity payments IRA and retirement account distributions Dividends Interest income Capital gains As the law is currently written, you can receive an unlimited amount of income from the sources above and receive your full Social Security benefit. The income that does count in the earnings limit is employment income. That means gross employment wages if you’re an employee and/or your net earnings from self-employment.
4 months before I turned 65 I send legal, typed, written letter to SSI that I would eternally opting out of any government medical insurance and to never, ever sign me up ever. If I do ever collect the massive amount of SSI rebate they owe me, I will only sign up for the rebate they owe me and nothing else. I am currently 68 and have not ever applied for the ssi rebate they owe me.
I have a max limit of 18,000 a year I can make to supplement social sec. Do they check you by month or yearly? I think its about 1600 a month. I worked alot in December. Maybe went over that.
The 1st year retired before 65 is monthly, after that it’s yearly approximately at $21,000. Always double check any information that comes your way…Best wishes.
Is there a statue of limitations on SS overpayment? Can a 60 year old person file for benefits for the death of a veteran parent when they were a minor? Can SS go after overpayment from an estate?
Hi Mark...to my knowledge there is no statute of limitations on overpayments. And yes...SS can seek to be collect an overpayment from an estate secure.ssa.gov/poms.nsf/lnx/0202205003#:~:text=Generally%2C%20the%20overpaid%20person%20(including,for%20repayment%20of%20the%20overpayment.
The tax point isn’t serious. You draw as much SS as you can, and you draw from other sources, to get the income you need to live. And you pay the taxes from these sources.
Because 'they' want you to be ignorant of reality and facts. Just look at what happened over the past few years. Americans were being lied to every single day - and still - about what is going on. A simple example: Russia collusion. It was all a fabricated smear campaign to get rid of Tee-rump. Just as EVERY news story today is pretty much a lie. Communism is the future of America. We are transitioning into it. Unless...
How so? I am 62 and I want to start collecting. Yes, it will be at a lesser dollar amount than if I wait until 70. However, in the eight years before I reach 70, I will have collected a lot of money even at the lesser amount. It would take many years for me to make up with the higher amount starting at 70. I would be almost 80 years old to finally make up with a higher amount those eight years I took a lower amount...and that's assuming I even make it to 80. Is there something I am missing?
My great uncle lived to be a few months past 100. He told me when he was 97 some men rang his doorbell, and asked if he was MR. Carlson, they were checking for fraud, and wanted to make sure he was still alive. They came back when he was 99, and again he told them, yes, I'm still alive. He said ive been collecting social security for so long, im afraid if they come back again.....they'll probably just shoot me!! He had a great sense of humor!
Can you please tell everyone that a monthly social security check is not going to pay anyone’s monthly living expenses in retirement. You’re supposed to work and save over your lifetime and use your savings and private investments in conjunction with social security to live off of in your golden years. A social security check is not going to be “enough”. Ever. Plan responsibly and accordingly over your working years.
That’s why some people when they begin to collect SS, falls into the low income range or just on the outskirts of where they could be excluded from assistance. Used to work for my county SNAP. Had some elders who fall in this range where they get $16/mo or nothing. One time, I even had a customer called me to just vent. She collected all the stuff we required to just get $16 per a month for foodstamp. Retirement planning is hard. Financial advisor are expense. I’m looking into Robo or something like that but that’s its own set of issue too.
I am paying an overpayment due to two different social security employees. I went to the SSA to file for my social security. A young lady looked at it and determined that I should receive $1,200 monthly. I received a letter from SSA to return and talk to another young man. He gave me the same amount. The problem was, I am a retired Texas school teacher and should not have received that amount. I am still paying them back.
I still must wait until I am 68 years of age Yet my full age retirement by the Social Security Administration is 66 years and 10 months .I will not be penalized by the IRS for taxing my age of accepting Yet the IRS rules along with Social Security Administration We tax me to death I know a man at work he was fined by IRS around $5400.00. Because he required to work overtime as a Supervisor.
Now you've got me asking I think would be a simple question. We will wait until 70 to maximize our SS check as we don't need the money and are still working in our beloved medical fields. Would there be any mistakes that I could be making with this scenario? I would think it would be a simple calculation from the SS office. Do I need someone to verify this??
I HAVE 2 QUESTIONS : IS SOCIAL SECURITY PUTTING IN $ ON THE 19TH FOR SOME AND OTHERS ON OUR BIRTHDAY??? SAW IT ON B TO B SITE. AND ALSO, BEING I TOOK RETIREMENT AT 62, IM NOW 67...DO WE GET ANY OF THE $ BACK FROM RETIREING EARLY??? I THINK I KNOW THE ANSWER, JUST WANT YOURS 😊 TY
I have heard that SS tries to send your check 'somewhere close' to your birthday. If your birthday is the second week of the month, for example, then your check may appear in your bank account in the second week. Not sure if this is right or not, but that is what I've heard.
@@peterhoffman8525 I know that..the question was are we getting an extra check? This one yt keeps misleading people to get you to click on, when u click, they get paid. But thanks for responding. FYI. YT CHANNEL" HOW MUCH TO THEY GET PAID"
I been on SSDI since I was 55. I just turned 65. Please tell me exactly when SS will convert my disability benefit to a retirement benefit? Also will they lower my monthly amount, or will I collect the exact same amount?
Typical US Government, started simple to assist with retirement now it is so complicated and people are depending on it with out putting away for retirement. Sure is nice driving that new Audi but no retirement savings, live now worry tomorrow 😜
Government employees. Hired based on quotas instead of competence. It’s their system, yet we’re responsible to monitor /manage it. Never depend on the government boys and girls. With my SS and spousal benefit, I should receive 5800 per month. Im expecting/planning for nothing as long as incompetent employees and democrat policies exist.
as a white government employee hired because of my BBA Degree and State Board Certification I can say that you are seriously diluted in your thinking. I'm betting you are just a troll anyways
@@foxychic3859 you wanna bet? We get mine and half of mine which is hers. Perhaps I should have said we. I say I a lot because I was the only one who worked outside the home and I manage the money.
I am now 63 years old..
I am planning to stick it out until the full age which is 66 Years and 10 Months.
Do your homework and figure it out. Weigh the pros and cons and know if 62 or full age works for you.
Keep the faith 🙏
it's great if you live to 80 years old or older.
The single most important thing that you need to know when choosing when to take your SS is this. More per month does not always mean more total. The reason the payments at age 62 are less is because you are going to get more checks. 48 more than if you wait until age 66 and 96 more if you wait until age 70. That said, the one piece of information that will determine which choice is better you don't have. And that is what is going to be the date of your death? With and average life expectancy in the Unites States of around 77 years and needed to live to almost 80 for waiting to make a difference, the math would suggest to take the money early. Then it's also important to put a value on your time. Would you rather have more retired time, or more money when you are almost 80. I retired 7 years ago at the age of 62 because time was more valuable to me than money. That said, everybody get's to choose for themselves.
Excellent points. A SS employee once told me (off the record) to collect it as early as possible. He said not only do you get more checks that way but if you continue to work, you are continuing to pay into SS!
Completely disagree.
You hate work.
Your point lacks awareness of statistics, and your values are negative.
@@sammencia7945 I hope you are not talking to me. Everything I wrote was positive and math correct. In fact you may never meet a more positive person that me in your whole life.
@@pamcornelius9122 the break even point is 11 years. You have to live 11 years past when you take it
@@ericbeer7389 Thanks! I always wondered what the break even point was.
My wife has passed away at 42 years old. I have 2 small children with her and do to her ilness i am out of work at the moment. I had interview with social security said my kids will get survivor benefits and they asked if i wanted to apply since out of work. Will taking for myself mess up when im 62. Iam 50 years old and I can kinda use it at the moment.Thank you
You can take survivors benefits at 60 earlier when medical issues involved. Then let your own grow until age 70 and switch to your own benefits.
I got a letter from IRS telling me they have no record of me. I’m like wait I have always paid and I’m 64 yo, just a few weeks ago the IRS has completed your taxes complete. I received the IRS noticed starting they had completed my current tax return. Crazy ugh.
Now I must get that done. Ugh
Real easy to sit in a office and tell people who actually do physical work to wait till 65 or older. Disability is not easy to get.
I always tell my students who go into trades that it is a great way to start out in life but develop a second plan too because most tradespeople I know reach a point where physically they can't. Usually in 40's if work is very strenuous.
Greg, You absolutely nailed it! Quite easy for a desk person to not understand what physical labor is like, especially as we grow older.
I was denied 7times for I got approved for disability benefits on a walker and still got denied 😔
You made that choice.
Grown adults whining at age 60 is pathetic.
@@happycook6737 6:28
I started receiving SS At 65 we also got the Covid pay which made me go over I was informed that I owed $20,000 and they agreed to take it out of my Social Security check $500 a month until it’s paid off in a couple of years that’s where I’m at I’m still drawing Social Security which is still a pretty good amount
I got this over payment notice. They tried to say I didn't pay rent where I use to live for 12 months. I had all my check recipes and hired an attorney from legal aid. They got me right back on track and didn't have to loose a dime👍
@@janice8925 It has a lot to do with it. If you lived with someone prior to receiving SSA, you are obligated to pay your share of rent and if you didn't, then SSA will deduct the rent you would have paid from your back pay.
You will also have to pay rent after you get your benefits or they will deduct it from your check.
Thank you for all you do to help us unravel SS!
Correction! Americans **PAID** for 100% of their SSI benefits. **DESERVE ??** their maximum SSI benefits.. they PAID for years for their benefits
SS, not SSI. Different
I'll never understand that "break-even" mentality of Americans! I consider SS an annuity, and I waited until 70 to max out SS. I made this decision REGARDLESS of my life span! If my lfe is long (into my late 80s or early 90s), then I lucked out. If I die at 74, then I won't care anymore since I'll be dead, lol! I have NOT regretted my decision. I get over $4,000 a month in SS, and the last 8.7% increase amounted to several hundred dollars. My SS covers a big part of my monthly expenses. I also get a pension and rental income, and have no debts. I probably won't have to touch my investment portfolio, ever.
I took mine at 62. Why wait till 70. What kind of health will you be in at 70. What if you don't make it. Tomorrow is not promised.
I know someone who received an overpayment. He took SS early and it took a while for SSA to determined he's received more than the limit in the year he retired.
Hi Dev, SSI have records to collect overcharges! But they don’t have the correct records for under recording my Income of which I didn’t understand how it worked! I actually thought that they had deducted the SS from my salary not realizing that my income was actually being underreported by IRS?? So what can I do? They expect me to come up with all of my W2’s! Shouldn’t IRS have my records on film?? I
2:25 "Many people have never heard of an overpayment letter, until they received one in a mailbox addressed to them".
It happened to an lady friend of mine who drew benefits before FRA, but continued to work full time. It was a real shock to her. How did she handle it? Well, she had her SS benefits payments suspended for a while, and it was not a convenient time for an unplanned lapse in income. She had already quit working full-time by then. It wasn't like she went hungry or homeless, but it did require some major adjustments. She did, at least, warn me about that pitfall, when I mentioned I would start drawing benefits early and continue working for a while after they began.
Ignorance is no excuse. People need to understand the tax rules
@Devin Carroll
You mention a calculation that should be done to determine if taking spousal benefits later is worth the wait. My former husband took his SocSec at the earliest possible time and I'm interested in taking these calculations into consideration - but I didn't see any link your comments.
Am I missing something?
I have the same situation! Hubby filed at 62. Now, I am penalized and will have a reduced benefit 😭.
@@jotanner-hopp4415 What is it with these guys??
And honestly: what was up with ME? Letting myself get treated like that and still staying. A friend is going through similar. Don't even get me started on them executing a will that would protect us.
A poster said she received both her low benefit based on her PIA, AND then 50% spousal benefit. She was glad, but I posted that under current law SSA can claw back for all years.
Kind of Crappy deal that people who actually planned for their retirement and saved will be forced to pay taxes on money they were already taxed on just to get it back. When I run all my numbers I will basically get my ss check and just have to hand the entire check back over to cover the taxes they will be making me pay for saving for my own retirement.
Yes, sadly, we too will be essentially handing back a great amount of our SS benefit payments. We worked hard, sacrificed, and saved money so that we wouldn’t be a financial burden on our children.
That's messed up!
Taxing SS benefits is theft! We paid into the system. We should get them back, with interest!
Karl Marx and Vlad Lenin are laughing in their graves at us.
Hi Devin. I'm not seeing the video you spoke of about combined income tax calculations. Thanks.
Great info Devin!
Oh yeah that is. If Corruption makes me sick .
My sister’s husband died 4 years ago,does she gets any benefits from his SS even she is working full time
This depends on your sisters age.
She can claims survivor benefits at age 60. Or at 50 if disabled
I tried the link, but it does not work.
I’m trying to figure out how to get off of SSI and onto SSDI because it’s not fair that I have paid in over 10 years and because of a gap of two years, they wanted to deny me my benefits of the trust of which they already had a fiduciary duty to perform .
Breach of fiduciary, duty or fiduciary obligation is a big no-no from what I have found out .
I am in Opelika, Alabama. The magistrate was in Montgomery, Alabama for the hearing.
I don't see how they can approve me for SSI and said but cut off my DIC and send me Medicare and still take back some more of my money, I should have just continue receiving my DIC????
Don’t see anything in description about Calculating Combined Income to figure out taxes
@@kbbkbbkbbkbbkbb Thanks. I am on disability and my wife just retired from Fed Govt three weeks ago and will get a pension so was just wondering so I can figure out as next year will be the first time filing under new income.
At 9:58, you say the IG reported $131,000,000,000, “billion,” underpaid to 9,224 individuals equals $14 million per person. @Tor Eckman noted the same thing . Please provide the link to that data-that's not right.
If there is such a large amount of money that people get shorted by SS for many reasons why is SS always tetering on being broke? The closer that I get to filing the less I want to get involved even though I'd never be able to live without it.
because they are not it is just antigovernment BS
There are myriad reasons the fund is being depleted. First, there are many people from the boomer generation who are retiring (many early) and taking out payments. Second, the workforce that should be paying into the fund is being reduced (fewer people are paying into the fund to support the outgoing payments). Third, the SS admin. now has to rely on the Federal Gov't to pay it back for all the money it has loaned it from the trust.
What if you're taking social security early and you are a real estate agent and you close maybe 3 deals a year? One commission check can put you over the MET.
Pay your tax! SS is Federal welfare, stop complaining.
@@CarlosRuiz-qk9hq I pay my taxes and you obviously don't even understand the question you ignoramus! This is not a question about taxes. Try to use your critical thinking skills if you have them. But I'm thinking you don't.
@@wiznup You are worried about making more money because you'll have to pay taxes on your SS? SS is an undeserved benefit. You are collecting a Federal welfare check. Stop complaining!
@@CarlosRuiz-qk9hq are you even an American?
@@wiznup What does that mean? Do you want to see my birth certificate? LMAO.
Very Informative. Can you help in this specific instance.
My FRA would be this year( 2023) in JULY but I will begin receiving my SS in March of this year (four months early of FRA). I also want to continue working until Sept. of this year. By the end of Sept I will have made 50,000. Will I have to pay any penalties'?
No. You can make $56,520 in the calendar year you reach full retirement.
I have three years that show Medicare earnings but zero for the same year for social security earnings. The wages were low those years. Should I get it fixed and how do I do that?
Question, I filed for surviving spouse benefits at age 60. The SS Rep told me I could not file a restricted application because I was not yet eligible to receive my own benefits. I am approaching age 62. I want to continue receiving surviving spouse benefits until at least my full retirement age of 67 (may wait until no later than age 70). Do I need to contact social security and submit a restricted application so they do not start automatically paying me early retirements benefits at age 62? I was the higher wage earner and my benefits at age 62 will be higher than my surviving spouse benefits but I want that amount to continue to grown.
Is it adjusted gross income the tax is paid on or gross income?
If errors are found in ones record how does one address SSA to get the numbers corrected?
clear and to the point. thank you
Hey Devin, I will be 62 and 10 months in October. That is my early retirement age.(born in 59).
How early should I contact you to help me? Or should I wait till then?
If you were born in 1959, your FULL retirement age (FRA) is 66 and 10 months.
I was also born in 1959. Your FRA is 66 and 10 months. You could have started receiving benefits when you turned 62 but at a reduced amount. Your benefit amount will increase each month until you turn 66 and 10 months. If you wait until you turn 70 your benefit about will increase 8% a year for a total of 24% more. It’s different for each person and much must be taken into consideration. Things like your marital status, health status, and other income are some of the things to consider. I hope some of this helped. Make sure to check your account on the SSA website for your accurate figures.
You don't need Devin's help.He is just trying to steal peoples money.Go to or call your local social security office.They will help you for free.
Question how do I claim my husband SS he passed away in 2012 the lady side not till I was 50 and I'll be 50 this year I already get disability thank you
Call SSA.
If Social Security continues to be underfunded, then In 2033, the benefits will be reduced by 30%.
I suggest that a $1/ barrel tax be charged to all oil exported out of the United States, and the money be applied to the Social security funding.
SS is a self-funding insurance program. It's not welfare.
Didn't know that if I had waited untill I was 60 to get married again, I could have collected my first husband SSI. He died in 1998. Hope this helps somebody.
I too did not know Jean. I may have chosen not to wait but it would have been nice to know I had an opportunity to choose.
??
Thanks, Devin. I appreciate all the good info. I will be 70 next May. Is there a way I can postpone my first benefit check until 1/1/2025 without losing any benefits?
Do social security take in to account if you worked two jobs for 8 hrs at 67 yrs to quslify.
I need a Lawyer to Appeal SSA Denial of my SS Pension benefits, 30 days left,!
I live in Indiana, Indianapolis
Thank you for this video
I have received an overpayment letter after I gave them the information required. They didn’t document the correct information.
Hi. You are great. I called S.S a few years ago and they told me that they will no longer do the switch?????
I’m terrified !
I am trying to figure out when to file for my spousal benefits. My -ex is 2 years, 7 months, and a day younger than I am. I am 50 years old, & I am disabled. Any suggestions? Thank you!
You have to wait until divorced spouse is of retirement age before you can draw spousal.
On mistake #1 another common miscalculation is done in the year you reach your FRA. If you are still working in that year remember that the earnings you get in the months prior to your FRA count toward an earnings ceiling. In 2022 that ceiling is $51,960. So the later in the year your FRA is met the more caution you need to have about earnings. If you go over that limit the SS administration will take $1 for every $3 over the limit. So, if you are still working and your birthday is later in the year it might be best to wait until January of the following year to file which will accomplish two things: 1) you won't get hit with an over-payment notice & 2) Your benefit will increase a little bit because you delay filing
I really appreciate your informative videos! But I still can't find a clear answer to a question I have: If my wife starts collecting her SS at age 62 and I don't start collecting until 67, can she then adjust her SS with spousal benefits? Or is she stuck with the amount granted at 62.
I believe she is penalized for the early SS filing for any circumstance going forward.
if you die she gets the higher of her SS or yours but not both
She would receive her own benefit at 62 since she cannot file for the spousal benefit until after you file. Once you file at your FRA or 67 then she can apply for her spousal benefit. However since she started receiving her benefits at 62 she will not be able to receive the full 50% of your FRA amount. It will be a reduced amount. There are many variables here so make sure to check with an informed advisor before making any final decisions since your individual situation must be evaluated to make a thorough assessment. Best of luck!!
So my husband is 62 but doesn’t want to file until he is 67.Can he do that and will it hurt him?
He can absolutely wait. His benefit will be larger at 67 than it is now.
Yes, he will get more $ by waiting until 67, but how much at a lesser $ amount could he get for all the years total between age 62 and 67? Then, figure out how many years at the bigger $ amount at age 67 it would take to exceed what he would have collected at the lesser amount from 62 to 67. It's many additional years, believe me. In my case it would take TEN years beyond 70 for me to catch up, so to speak, which would be age 80....and that's if I even live that long.
Like Dave Ramsey says: the key to knowing when to file for SSI is knowing the date you will die. We can only guess when is the best time to file. You have to look at your overall health. How old were the parents when they passed? How well do you take care of yourself (diet and exercise, sleep)? How busy do you keep your mind? It is a calculated risk you have to decide on. As a spouse, you will receive a higher spousal benefit if he passes away first by waiting until 67.
So...where do I find someone who will help look out for My benefit when I file?
I am a widow when do I file for my husband's social security I am 60 and on SSI
Hi I watch your videos and learn alot but the one most important question I have is, when I turn 62 I plan to draw social security and work part time but I have been told so many different things about how much I can have in my bank, please help me with this
Social Security is not a means-tested benefit but there is an earnings limit (posted online every year), so, until you pass the year of your FRA, how much you earn matters, but never how much you have in a bank account.
There is good news re taxes on SS income, while yes if you earn money while taking SS benefits, you can be taxed on up to 85% of those benefits, for most recipients, your SS benefits are subject to Fed income taxes only, as most states do not tax SS income, and also, of course your SS benefits are unearned income, meaning they are not subject to the 15% SS tax as is the case with all earned income, even money earned while in retirement. The best form of income while retired is unearned, such as withdrawals from IRA investments, and rental income.
Great info 👍
Hi Devin, I have a question: How accurate is the SSA website on one's projected amount of social security??? I am 63 and for the last 6 years I work for a company that does not pay into Social Security. Instead they give 3.5% to a 401a. Prior to working at this company, I worked for 48 years (since age 15) and put money into Social Security, so I've put in my required 40 years. That said, when I look at my benefit on MySocialSecurity, it has increased each year even while not putting money in SS, and even though my record shows $0 to social security from 2016 until now. Any idea why my projected benefit continues to increase? Repeating my initial question: How accurate is the SSA website on one's projected amount of social security???
@@kbbkbbkbbkbbkbb I don't understand your comment. But I don't make my own payments to social security. I ceased making payments to SS when I took this job 6 years ago and that money is no longer filed with social security. And I work for a state/government entity (figure that one out). I was told by HR that the SSA will make adjustments to my social security benefits as a result of funds going to a 401a. I was hoping Devin knew something about this. Devin?
@@kbbkbbkbbkbbkbb No problem -- we are all here to learn :) Thanks for clarify. I was told I will still get social security but likely at a reduced rate. What that is, I don't know. I thought maybe Devin might know how the process works...
I think it's because you've already met the 35 highest years needed for SS. Your zero years aren't counting. Cola's are added once you turn 62. Since I turned 62 my projected amount goes up a tiny bit every month on the SS site. Also got the 5.9 Cola. Hope this helps.
@@1936Rock Thanks so much!
@@1936Rock you don't need 35 yrs to collect, they count your 3 biggest years to come up with a monthly amount
There is only one mistake to worry about. Do not collect un til you are 70.
Step 3, Not checking earning records. I noticed a few discrepancies in mine. Who would i contact to resolve it?
I don’t know why they don’t have our W2’s records on frisk film?
@@gloriacedeno.2737 It is because they destroy records over 7 years old. Why don't you have them? They are your records.
The whole system is a joke. Mistakes???? Far to complicated by design.
I received an overpayment notice about 10 years ago. It was from when I was in High School, and my second mother passed away. As a minor, I received Social Security for a short while, and was supposed to inform them when I was no longer eligible. It wasn't much, think I had to pay back $1,600 or so total. At the time I received the $200 payments it was a big deal.
Did the amount you had to repay include interest charges?
@@ddebenedictis I'm sorry but I don't remember because that was a long time ago. I ran into two situations:
The first was when mom passed when I was young, and payments were supposed to end about age 18, but they ran a few months longer. I don't have records because that was before personal computers. ;) But I had to pay something back.
Then a couple decades later, I was told they had collected the funds improperly. last time was when they collected too much from me. My records show I chose number 2 of 3 options, some of which didn't apply to me. I think I figured I had over collected in the first place, so didn't mind paying it back later, so I just let it go.
1. To dispute the original over-receipt or subsequent collection.
2. To consider the matter closed.
3. To request a refund and make payment arrangements.
@@dougb8207 wow Doug, you are living proof that they make errors and catch them later. Thanks for sharing. Hope you have clear sailing from here. 😊
@@ddebenedictis yes, and I have a digital copy of their 2018 letter! I love the ability to store digital records, with backups of course. Thank you.
Can't you file Bankruptcy on SSA if an overpayment occurs?
Christine, this is only an assumption on my part but a logical one. Bankruptcy does not forgive federal or state debt (taxes), Department of Labor debts, or criminal charges court owed debts (civil court judgments may be forgiven), and so on. Due to this, my assumption is that bankruptcy will not dismiss your SS overpayment debt. This is an assumption, consult a BK attorney.
Best wishes.
Question if one of your parents pass b4 they can collect. Can son or daughter collect there benefits? Thank you
No.
@@kbbkbbkbbkbbkbb it is or was
I think I solved the SS at 62 vs. 70 debate. If you are fat and a smoker, you can and should take it at 50. Why, you probably won't make it to 62. LOL
Kinda dumb, but OK.
@@anthonyc1883 What is dumb about this?
Maybe not dumb,just being a jackass
@@suebennett9804 Almost 60% of the deaths before 70 are the result of cancer and heart disease. Jackass? I don't think so. Numbers.
What happens if you spouse is getting SSI also
Can I take Spousal benefits if my spouse is not yet collecting SSB?
planning for it to be there is #6.
Hi Devin. Thank you for your videos. I am currently retired, but 2 years before my "full retirement age", and receive a monthly pension benefit from my former employer. My SS benefit would be based on income I received while paying into SS over my 40 year career. I have not yet applied for SS b/c I am fortunate in that I can wait. I want to go back to work doing something different, but I am concerned about the extra income because I have to apply for Medicare this year. Re, the social security income limit, is my pension income considered "earnings"?
If you are receiving SS before full retirement age and you have other income, you can earn $21,240 (2023) before your benefit will be reduced. You can earn $56,520 in the calendar year you reach full retirement and file for Social Security.
Income that does not count toward the earnings limit includes:
Pension payments
Most annuity payments
IRA and retirement account distributions
Dividends
Interest income
Capital gains
As the law is currently written, you can receive an unlimited amount of income from the sources above and receive your full Social Security benefit.
The income that does count in the earnings limit is employment income. That means gross employment wages if you’re an employee and/or your net earnings from self-employment.
@@rockymntain Thanks for the info Rocky!
Thank you so much Devin for research
4 months before I turned 65 I send legal, typed, written letter to SSI that I would eternally opting out of any government medical insurance and to never, ever sign me up ever. If I do ever collect the massive amount of SSI rebate they owe me, I will only sign up for the rebate they owe me and nothing else. I am currently 68 and have not ever applied for the ssi rebate they owe me.
I have a max limit of 18,000 a year I can make to supplement social sec. Do they check you by month or yearly? I think its about 1600 a month. I worked alot in December. Maybe went over that.
I am almost 100% certain it is an annual figure.
Do they go off of your Total income, or your Adjusted Gross Income?
The 1st year retired before 65 is monthly, after that it’s yearly approximately at $21,000. Always double check any information that comes your way…Best wishes.
So my wife still works. I guess I need to get a divorce to not be taxed. What a joke this government is.
Is there a statue of limitations on SS overpayment? Can a 60 year old person file for benefits for the death of a veteran parent when they were a minor? Can SS go after overpayment from an estate?
Hi Mark...to my knowledge there is no statute of limitations on overpayments. And yes...SS can seek to be collect an overpayment from an estate secure.ssa.gov/poms.nsf/lnx/0202205003#:~:text=Generally%2C%20the%20overpaid%20person%20(including,for%20repayment%20of%20the%20overpayment.
Thank you, Devin for your continuous help.
The tax point isn’t serious. You draw as much SS as you can, and you draw from other sources, to get the income you need to live. And you pay the taxes from these sources.
TY.
How do I find your link to get to talk to someone in your staff
Why is this not taught in high school? Seriously!😳
Because 'they' want you to be ignorant of reality and facts. Just look at what happened over the past few years. Americans were being lied to every single day - and still - about what is going on. A simple example: Russia collusion. It was all a fabricated smear campaign to get rid of Tee-rump. Just as EVERY news story today is pretty much a lie. Communism is the future of America. We are transitioning into it. Unless...
Its so far away in thier minds, they wouldn't pay any attention. They don't pay any attention about anything in school anyway.
@@johnfranklin5277 Why should they "learn" anything? It's all on their phone anyway....raising a generation of dolts.
The biggest? Collecting at 62 instead of waiting until 70.
How so? I am 62 and I want to start collecting. Yes, it will be at a lesser dollar amount than if I wait until 70. However, in the eight years before I reach 70, I will have collected a lot of money even at the lesser amount. It would take many years for me to make up with the higher amount starting at 70. I would be almost 80 years old to finally make up with a higher amount those eight years I took a lower amount...and that's assuming I even make it to 80. Is there something I am missing?
@@anthonyc1883 I agree with you 100%!
Living too long is a problem
My great uncle lived to be a few months past 100. He told me when he was 97 some men rang his doorbell, and asked if he was MR. Carlson, they were checking for fraud, and wanted to make sure he was still alive. They came back when he was 99, and again he told them, yes, I'm still alive. He said ive been collecting social security for so long, im afraid if they come back again.....they'll probably just shoot me!! He had a great sense of humor!
...for the SS trust fund.
How old do you have to be to start receiving spouse social security? My wife passed away in 2008, I was 52 years old then.
What did you find out?
Your loosing money 60 is your spousal benefit
Can you please tell everyone that a monthly social security check is not going to pay anyone’s monthly living expenses in retirement. You’re supposed to work and save over your lifetime and use your savings and private investments in conjunction with social security to live off of in your golden years. A social security check is not going to be “enough”. Ever. Plan responsibly and accordingly over your working years.
That’s why some people when they begin to collect SS, falls into the low income range or just on the outskirts of where they could be excluded from assistance. Used to work for my county SNAP. Had some elders who fall in this range where they get $16/mo or nothing. One time, I even had a customer called me to just vent. She collected all the stuff we required to just get $16 per a month for foodstamp.
Retirement planning is hard. Financial advisor are expense. I’m looking into Robo or something like that but that’s its own set of issue too.
That's not true.Depends on your living expenses.Many people, live just fine on their social security check.I know many of them.
how do you correct ss records.. i have a 20 year gap in my ss records showing zero. can that be fixed.. ss says NO
can i send in my tax returns from those years to irs or ss
@@johnnyllooddte3415 yes but too late to count for SS or Medicare
i had 2 years with zero payed in and how i fixed it was bringing them tax records showing in payed in for those years .
@@robertrobinson7368 Only works if you pay within 3 years of original due date. After that, payments are not credited to your account
Will my monthly pension payment affect my Social Security payment??
No.
Depends on the pension and other factors.
has not affect mine at all👍🏼
@@kbbkbbkbbkbbkbb WEP, government pension can affect SS.
@@dresser6135 It doesn’t change anything on mine. My SS is pretty high to as I paid in 53 years and maxed out many of my last 35 years.
I am paying an overpayment due to two different social security employees. I went to the SSA to file for my social security. A young lady looked at it and determined that I should receive $1,200 monthly. I received a letter from SSA to return and talk to another young man. He gave me the same amount. The problem was, I am a retired Texas school teacher and should not have received that amount. I am still paying them back.
Was this a question on your paperwork?
I got retired 62 and I receive little money but my husband he got fully retire can I get something more on there okay thank you Dave
My son has had a broken arm for the past 10 or 11 years, he can't afford to have surgery- - no job well he can't work. Can he apply for SSI?
Yes for physical or mental issues...🙏
A broken arm takes about 4 to 5 months to heal.......
If he has limted assests.
I still must wait until I am 68 years of age Yet my full age retirement by the Social Security Administration is 66 years and 10 months .I will not be penalized by the IRS for taxing my age of accepting Yet the IRS rules along with Social Security Administration We tax me to death I know a man at work he was fined by IRS around $5400.00. Because he required to work overtime as a Supervisor.
Sales pitch using scare tactics.
how much do these guys charge?
Now you've got me asking I think would be a simple question. We will wait until 70 to maximize our SS check as we don't need the money and are still working in our beloved medical fields. Would there be any mistakes that I could be making with this scenario? I would think it would be a simple calculation from the SS office. Do I need someone to verify this??
I HAVE 2 QUESTIONS : IS SOCIAL SECURITY PUTTING IN $ ON THE 19TH FOR SOME AND OTHERS ON OUR BIRTHDAY??? SAW IT ON B TO B SITE. AND ALSO, BEING I TOOK RETIREMENT AT 62, IM NOW 67...DO WE GET ANY OF THE $ BACK FROM RETIREING EARLY??? I THINK I KNOW THE ANSWER, JUST WANT YOURS 😊 TY
I have heard that SS tries to send your check 'somewhere close' to your birthday. If your birthday is the second week of the month, for example, then your check may appear in your bank account in the second week. Not sure if this is right or not, but that is what I've heard.
@@peterhoffman8525 I know that..the question was are we getting an extra check? This one yt keeps misleading people to get you to click on, when u click, they get paid. But thanks for responding. FYI. YT CHANNEL" HOW MUCH TO THEY GET PAID"
@@peterhoffman8525 B day 1-10 Second Wednesday 1-20 Third Wednesday 21-31 Fourth Wednesday
I been on SSDI since I was 55.
I just turned 65. Please tell me exactly when SS will convert my disability benefit to a retirement benefit? Also will they lower my monthly amount, or will I collect the exact same amount?
You should really call Devin's team !!
They generally do that at your full retir. age, 66, 66 & 2 mo's, whatever yours is. And you will most likely receive the same amount.
I think my wife's SSDI automatically converted at age 62. Not sure because things were a bit confusing.
66
Like mine did. When I turned 66, they automatically put me on ssa from ssa,and ssi
9224 underpaid 131b? 🤔🤔
That’s 14mm per. Cmon man.
Typical US Government, started simple to assist with retirement now it is so complicated and people are depending on it with out putting away for retirement. Sure is nice driving that new Audi but no retirement savings, live now worry tomorrow 😜
I need some explanation of ex-spouse benefits. I know I’m entitled to it but would it really help me?
If you are really entitled to it then of course it would really help, you silly goose.
Only if you buy things, pay bills ......lol.
What would your plan cost ?
Sure why not make more complexity when people are on the decline.
They said they overpaid, it was 40,000 it was their
Fault they put in that I worked for government. No I didn't took me a year to fix . Their fault
85%. WoW!!!!!!!! Thieves.
Where can I make an appt with you? I really need some strong advise
Id look around first.
See the first comment. The link is in there
Aww body it’s not your it’s social security fault see the man who is trying to to CYA YEAH A LITTLE TO LATE ! American have spoken .
Government employees. Hired based on quotas instead of competence. It’s their system, yet we’re responsible to monitor /manage it.
Never depend on the government boys and girls. With my SS and spousal benefit, I should receive 5800 per month. Im expecting/planning for nothing as long as incompetent employees and democrat policies exist.
as a white government employee hired because of my BBA Degree and State Board Certification I can say that you are seriously diluted in your thinking. I'm betting you are just a troll anyways
You cannot receive both! Only the highest one
@@foxychic3859 you wanna bet? We get mine and half of mine which is hers. Perhaps I should have said we. I say I a lot because I was the only one who worked outside the home and I manage the money.
Nothing but Advertisement of his services by scaring you - save yourself 12 min and do something else..
😮😵