WELL, IN TODAY바카라 게임 웹사이트�S MONEY MONDAY, WE바카라 게임 웹사이트�RE DIVING INTO A QUESTION THAT EVERYONE IN NEARING RETIREMENT AGE WILL HAVE TO ADDRESS SOONER OR LATER. WHEN DO YOU TAKE SOCIAL SECURITY? THE GOVERNMENT SAYS YOU CAN START TAKING THE BENEFIT ANYWHERE BETWEEN AGE 62 TO 70. BUT THERE ARE SOME QUESTIONS THAT YOU SHOULD ASK BEFORE MAKING THAT DECISION. AND HERE TO BREAK IT ALL DOWN FOR US IS CARTER ROMO WITH YELLOW CARDINAL ADVISORY GROUP AT FIRST FINANCIAL BANK. THANKS SO MUCH FOR JOINING US. THANKS, GUYS. IT IS SO NICE TO BE BACK. IT바카라 게임 웹사이트�S GREAT TO HAVE YOU AGAIN. ALL RIGHT. LET바카라 게임 웹사이트�S TALK ABOUT INITIALLY AND I WAS SAYING IN THE BREAK THAT THIS IS ONE OF THOSE THINGS. I THINK ONCE YOU KIND OF GET START NEARING THAT AGE, YOU THINK AM I REALLY READY? I THOUGHT I WAS READY WHEN I WAS 20, 30, BUT NOW I바카라 게임 웹사이트�M ALMOST THERE. SO WHAT ARE SOME OF THE FIRST STEPS THAT PEOPLE SHOULD TAKE WHEN THEY ARE APPROACHING RETIREMENT? I THINK THE FIRST AND MOST IMPORTANT ONE IS TO REALLY UNDERSTAND THE DETAILS OF WHAT YOUR LIFE COSTS. HOW MUCH ARE YOU ACTUALLY SPENDING? AND AS YOU LOOK TOWARDS RETIREMENT, THINK HOW THAT WOULD CHANGE WHETHER THINGS THAT MIGHT INCREASE WHEN YOU RETIRE, LIKE YOUR TRAVEL EXPENSES AND THINGS THAT WILL DECREASE, SUCH AS COMMUTING. BUT WHEN YOU UNDERSTAND THAT ACTUAL NUMBER OF WHAT IT COSTS TO LIVE YOUR LIFE, THAT바카라 게임 웹사이트�S THE FOUNDATION OF EVERYTHING THAT COMES NEXT. NUMBERS CAN BE SCARY, BUT THE GOOD NEWS IS, WITH GOOD, HIGH QUALITY ONLINE BANKING TOOLS AND ONLINE CREDIT CARD REPORTING, IT바카라 게임 웹사이트�S NEVER BEEN EASIER. IT바카라 게임 웹사이트�S NEVER BEEN EASIER TO PULL THAT DATA TOGETHER. YEAH. AND CARTER, A LOT OF PEOPLE WONDERING WHAT ROLE DOES SOCIAL SECURITY TAKE IN THE BIGGER PICTURE AROUND RETIREMENT? I KNOW OUR GENERATION HAS ALWAYS BEEN TOLD YOU PROBABLY WON바카라 게임 웹사이트�T HAVE SOCIAL SECURITY, SO WHAT DOES THAT LOOK LIKE FOR A SPECTRUM OF PEOPLE AS THEY PREPARE FOR RETIREMENT? WELL, FOR MOST PEOPLE IT IS ABSOLUTELY THE ESSENTIAL UNDERPINNING TO A SUCCESSFUL RETIREMENT AND ONE THAT OFFERS PEACE OF MIND. OVERALL, THE PROGRAM IS SUPPOSED TO REPLACE ABOUT 40% OF THE INCOME IN BENEFITS THAT PEOPLE RECEIVED WHEN THEY WERE WORKING. THAT TRANSLATES BECAUSE PEOPLE SPEND A LITTLE LESS IN RETIREMENT THAN WHEN THEY WERE WORKING. MOST OF THE TIME, ABOUT HALF OF RETIREMENT INCOME TENDS TO COME FROM SOCIAL SECURITY. THE PROGRAM IS INFLATION INDEXED. IT바카라 게임 웹사이트�S IMMUNE TO MARKET CYCLES. IT바카라 게임 웹사이트�S RISK FREE. IT바카라 게임 웹사이트�S REALLY TREMENDOUS THAT WAY. AND I WANT TO GO TO THE FUNDING ISSUE. WE바카라 게임 웹사이트�VE ALL HEARD THESE SCARY STORIES THAT IT바카라 게임 웹사이트�S NOT GOING TO BE THERE. BUT THE EARLIEST YEAR AT WHICH THE PROGRAM IS CURRENTLY EXPECTED TO HAVE A SHORTFALL IS 2035. AND EVEN IF THAT DOES COME TO PASS, IT바카라 게임 웹사이트�S STILL PROJECTED TO PAY OVER 80% OF THE PROMISED BENEFIT. SO WHAT WE WOULD BE, YOU KNOW WHAT ALL OF US WOULD BE FACING WORST CASE IS A CUT, BUT NOT A CANCELLATION. I THINK THAT바카라 게임 웹사이트�S IMPORTANT TO KEEP IN MIND. IT IS A IT바카라 게임 웹사이트�S A REAL THING THAT, AT LEAST TO AN IMPORTANT DEGREE, YOU CAN BE CONFIDENT WILL BE THERE. WELL, THAT IS AT LEAST YOU CAN SETTLE YOUR NERVES A BIT. TOUCH ON AT WHAT POINT SHOULD YOU START CLAIMING YOUR SOCIAL SECURITY? BECAUSE THAT바카라 게임 웹사이트�S THAT바카라 게임 웹사이트�S THE BIG QUESTION FOR ME. YOU KNOW, WE바카라 게임 웹사이트�RE IN THE TELEVISION BUSINESS. WE MIGHT NOT WORK TO 65, RIGHT? SO CAN SHOULD WE CLAIM IT AT 59.5 OR SHOULD WE TRY TO PUSH THAT OFF. WELL THAT바카라 게임 웹사이트�S A GREAT THIS IS MY PERSONAL I바카라 게임 웹사이트�M GETTING MY PERSONAL FINANCIAL ADVICE TO SPEAK TO THAT. OF COURSE, THE EARLIEST AGE AT WHICH YOU CAN TAKE IS 62. AND THE AGE AT WHICH YOU STOP ACCRUING AN INCREASED BENEFIT IS 70. THE RATE AT WHICH YOUR BENEFIT GOES UP IS BETWEEN 5 AND 8% A YEAR. FOR EVERY YEAR AFTER 62 THAT YOU WAIT TO CLAIM. SO IF YOU바카라 게임 웹사이트�RE FEELING CONFIDENT ABOUT YOUR HEALTH AND HOW LONG YOU WILL BE ABLE TO COLLECT BENEFITS, AND IF YOU바카라 게임 웹사이트�RE AT A POSITION WHERE YOU CAN EITHER KEEP WORKING AND YOU바카라 게임 웹사이트�RE HAPPY WITH THAT, OR THERE바카라 게임 웹사이트�S OTHER WAYS TO FUND THE FIRST PART OF YOUR RETIREMENT, THE GENERAL ADVICE WE GIVE TO CLIENTS AT FIRST FINANCIAL, AND I바카라 게임 웹사이트�M SURE THAT CLIENTS RECEIVE FROM OTHER GOOD ADVISORS, IS, YOU KNOW, IF YOU CAN WAIT CLOSER AND CLOSER TO AGE 70, YOU REALLY SHOULD. WHAT ARE SOME MISTAKES THAT YOU바카라 게임 웹사이트�VE NOTICED PEOPLE MAKE IN THIS PROCESS? I THINK THE BIGGEST ONE, UNFORTUNATELY, IS ASSUMING THAT YOU CAN RETIRE EXACTLY ON THE SCHEDULE THAT YOU PLAN. THERE바카라 게임 웹사이트�S A LOT OF PEOPLE SAY, WELL, I바카라 게임 웹사이트�LL WORK UNTIL DATE X, I바카라 게임 웹사이트�LL WORK TILL 65. BUT SOME REALLY INTERESTING RESEARCH OUT THERE HAS SHOWN THAT ESPECIALLY FOR PEOPLE WHO RETIRE AFTER AGE 61 OR 62, THEY TEND TO RETIRE ABOUT 2 TO 3 YEARS SOONER THAN THEY PLANNED. AND FOR A LOT OF PEOPLE, THAT TENDS TO LOOK LIKE PLANNING TO EXIT THE WORKFORCE AT 65. BUT THEY ACTUALLY LEAVE WHEN THEY바카라 게임 웹사이트�RE 62. SO THE THE UPSHOT OF THAT IS HAVE SOME VERSION OF A PLAN THAT WORKS FOR YOU, A BASELINE PLAN, EVEN IF YOU DO END UP LEAVING THE WORKFORCE A LITTLE SOONER THAN YOU PLAN. ALL RIGHT. CARTER, ROMMEL, THANKS SO MUCH. WE WILL HAVE THESE TIPS ON OUR WEBSITE, 바카라게임. DOT COM. IF YOU MISSED ANYTHING. TH