Know EXACTLY When to Start Social Security in 2 Steps

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  • เผยแพร่เมื่อ 30 ต.ค. 2024

ความคิดเห็น • 141

  • @josephhogue
    @josephhogue  2 หลายเดือนก่อน +5

    🤑 Want your dividend stocks to pay the bills? This is the ONE monthly dividend stock you need! th-cam.com/video/vg5uZRChmBs/w-d-xo.htmlsi=jUPbXlxvnkexaclL

    • @FroggyTWrite
      @FroggyTWrite 2 หลายเดือนก่อน

      you also forgot to mention what may arguably be the most fair option which is to raise the cap on SS taxable earnings. most of us pay SS tax on 100% of our income, but those earning millions of dollars a year only pay SS tax on the first 160k of their income. seems kinda unfair to the middle class working folks

    • @matthewgrgurich941
      @matthewgrgurich941 2 หลายเดือนก่อน

      Joseph, don't trust physicians who want to put you on cholesterol meds. DO YOUR RESEARCH. Big Pharma control the info. to Doctors. Midwestern Doctor.

  • @oneillbilder
    @oneillbilder 2 หลายเดือนก่อน +121

    The concept of mini-retirement changed my life. I'm no longer waiting for some retirement paradise when I'm 65. It helps to know how to fund the lifestyle. You know, making money while you sip that piña colada by the beach does help. I wouldn't have been able to do it otherwise.

    • @philipr1759
      @philipr1759 2 หลายเดือนก่อน +2

      Yeah, people miss that part. You don't jet out to Puerto Rico with your life savings. Proper investing and a good business acumen are big pluses. Invest in the stock market, real estate, build businesses. That's just it.

    • @NicholasHarmon-ow3jl
      @NicholasHarmon-ow3jl 2 หลายเดือนก่อน +2

      Safe to say not everybody has the skill to pursue investing. But it's always easy to follow the advice of someone who knows how to i.e a financial advisor. You could anywhere between 10--40k with the right ones. Online businesses are a good bet too if you are savvy.

    • @DavidRiggs-dc7jk
      @DavidRiggs-dc7jk 2 หลายเดือนก่อน +2

      Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.

    • @NicholasHarmon-ow3jl
      @NicholasHarmon-ow3jl 2 หลายเดือนก่อน +2

      Vivian Jean Wilhelm is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

    • @DavidRiggs-dc7jk
      @DavidRiggs-dc7jk 2 หลายเดือนก่อน +1

      Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

  • @TylerWilliams-s4b
    @TylerWilliams-s4b 2 หลายเดือนก่อน +107

    This year's problems will certainly be more difficult. Looking back, I realized that I was so preoccupied with my portfolio that I made bad financial mistakes throughout the previous year. I had to decide between boosting my investments and buying a house. After deciding to sell my investments, I learned that the home I had purchased needed more maintenance than I had anticipated. Trying to figure out how much longer I can tolerate this is becoming more difficult

    • @JanetLarson-h8g
      @JanetLarson-h8g 2 หลายเดือนก่อน

      Take it easy, we've all made mistakes.

    • @BillHauge
      @BillHauge 2 หลายเดือนก่อน

      Invest in companies that provide current cash flows to diversify your portfolio. I hired a planner at the end of 2023 to enhance my portfolio, and in the last ten months, I've made profits in over fifty different marketplaces. Should 2023 teach us anything, it's that luck doesn't last forever. Even in times of abundance, we should put in more effort to prepare for the worst case scenario

    • @AlisonVanwinkle
      @AlisonVanwinkle 2 หลายเดือนก่อน

      Okay how can one locate a reputable financial planner? I wouldn't mind searching the professional who served you. I'll be retiring in two years and may require some assistance managing my considerably larger assets. Don't want to take chances.

    • @BillHauge
      @BillHauge 2 หลายเดือนก่อน

      Lina Dineikiene is the licensed FA I use. Just google the name. You’d find necessary details to work with and set up an appointment. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

    • @AlisonVanwinkle
      @AlisonVanwinkle 2 หลายเดือนก่อน

      I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. Thanks for sharing!!!

  • @johnroberts3822
    @johnroberts3822 2 หลายเดือนก่อน +32

    Older brother dead at 65 younger brother dead at 61 I took my SS at 62 no regrets

    • @jayholiday256
      @jayholiday256 2 หลายเดือนก่อน

      How old are you? I lost my older brother at 64 and I’m now 63

    • @Dave-sw2dm
      @Dave-sw2dm 2 หลายเดือนก่อน

      My parents died at 87 and 85. All my siblings and cousins are still alive. Should I wait until I retire to take SS?

  • @ArthurQueen-g3b
    @ArthurQueen-g3b 2 หลายเดือนก่อน +6

    Not knowing the difference between SSA and SSI really inspires confidence in your video!

    • @sandi-midnight-mueller6550
      @sandi-midnight-mueller6550 2 หลายเดือนก่อน

      Exactly what I came here to say! That's a basic thing to know! Definitely not subscribing!

    • @sandrawillis-h5x
      @sandrawillis-h5x หลายเดือนก่อน +1

      Facts

  • @doran-f6w
    @doran-f6w 2 หลายเดือนก่อน +138

    I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.

    • @kevinvictor-s2w
      @kevinvictor-s2w 2 หลายเดือนก่อน

      You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.

    • @shirelylinero
      @shirelylinero 2 หลายเดือนก่อน

      That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.

    • @vickylarue
      @vickylarue 2 หลายเดือนก่อน

      Talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 100k to test the waters now that large cap stocks are at a discount... Thanks

    • @shirelylinero
      @shirelylinero 2 หลายเดือนก่อน

      My CFA ’NICOLE ANASTASIA PLUMLEE’ a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

    • @shirelylinero
      @shirelylinero 2 หลายเดือนก่อน

      “NICOLE ANASTASIA PLUMLEE’’ is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

  • @holywarrior8684
    @holywarrior8684 2 หลายเดือนก่อน +7

    Great topic Joe! The government has proven that they are terrible at handling our money, and I would rather have it in my pocket (the sooner the better) than in a "virtual" government account. I will definitely take the SS check at 62 and since I do not need the money right now, I will invest it in an ETF and let it grow.

  • @hansschotterradler3772
    @hansschotterradler3772 2 หลายเดือนก่อน +9

    I'm 53, and my doc suggested statins when I was 35. My cholesterol is usually around 240. I still have low BP, don't smoke, exercise regularly and eat well. And no, I never took those statins. I plan to retire in 5 years and intend to file for SS when I'm 62.

    • @OGPedXing
      @OGPedXing 2 หลายเดือนก่อน

      Agreed. Ldlc is a really bad predictor of heart disease. Statins have really bad side effects, including increasing the risk of type 2 diabetes. If your triglycerides are low and hdl decent then you are not at any increased risk, regardless of how high your cholesterol is.

  • @stonersgym8120
    @stonersgym8120 2 หลายเดือนก่อน +5

    You have to love how when you are paying in it's a very compulsory, rigid calculation based on your income. Once you go to collect, it's like walking into the casino.

    • @Satjr35031
      @Satjr35031 2 หลายเดือนก่อน

      It’s simple math when you collect

  • @brucef1299
    @brucef1299 2 หลายเดือนก่อน +2

    Great video. Another elephant in the room that should be considered is at what age do you reach your maximum allowed SS benefit. This can also be modeled on the SSA website. Having recently done this, I'm now 100% certain that working after age 62 adds zero increase to my future benefit as I've accumulated enough past earning years at annual maximum SS contribution limit. I had briefly considered retiring at 61, but ultimately decided to bank one more year of cash AND hit max benefit regardless of the age I actually start taking my SS benefit.

  • @JoseSanchez-tp1zv
    @JoseSanchez-tp1zv 2 หลายเดือนก่อน +3

    Well explained, in detail. Great video.

  • @anniesshenanigans3815
    @anniesshenanigans3815 2 หลายเดือนก่อน +7

    My work contract ends when I turn 62, coincidentally. That will be May 2025. I am going to take my SS at the end of the year. Kick off 2026 with less work, more time to enjoy life, whatever is left.

    • @josephhogue
      @josephhogue  2 หลายเดือนก่อน +1

      Great plan!

    • @bluesea1110
      @bluesea1110 หลายเดือนก่อน +1

      65 is the reasonable prices bro you miss calculating 🙏🙏🛫🛵🍜☕️🎶🌴🎉🍺🍺

  • @josephjuno9555
    @josephjuno9555 2 หลายเดือนก่อน +4

    It might be more total money if you wait until 70 but doesn't mean it is "worth it?" It's not just about money? It is what can/will you do with it? $10,000 at 65 when active mite be worth more than $20,000 at 80 sitting at home? Thinking about things you wish u had done at 65 if u had the money then? TIME is more valuable than money?

  • @geordilogue2829
    @geordilogue2829 2 หลายเดือนก่อน +10

    TOOK MY SOCIAL AT 63 BECAUSE TOMMOROW ISN'T PROMISED TO NO ONE..... PERIOD !!

    • @howardfriedman7077
      @howardfriedman7077 2 หลายเดือนก่อน

      You don't understand the risks.

    • @bluesea1110
      @bluesea1110 หลายเดือนก่อน

      65 is the reasonable prices 🛫🛵🍜☕️🎶🌴🎉🙏🍺🍺

  • @teams3345
    @teams3345 2 หลายเดือนก่อน +2

    62 is best! No regrets. Retired at 57.

  • @MarkDiSciullo
    @MarkDiSciullo 2 หลายเดือนก่อน +1

    Very helpful!

  • @davidvelen9835
    @davidvelen9835 2 หลายเดือนก่อน

    Good video thanks for sharing and Semper Fi my brother.

  • @et_phonehome_2822
    @et_phonehome_2822 2 หลายเดือนก่อน +2

    I know people that is delaying Social Security at 72 so can earn more benefits. The problem with that, is what happen if one pass away before then. The government got free money from you. I knew of some that passed away before then though they reached FRA.

    • @josephhogue
      @josephhogue  2 หลายเดือนก่อน

      You don't get anything extra after 70 so no point in delaying after

  • @marz6243
    @marz6243 2 หลายเดือนก่อน +1

    I took my SS at 70. Worked full time until 68. Still working part time. I like to be busy doing what I love. Taking it early would have been stupid.

  • @adamkpierce
    @adamkpierce 2 หลายเดือนก่อน +1

    Excellent work 👏

  • @kiwieagle64
    @kiwieagle64 2 หลายเดือนก่อน +2

    Thank you.

  • @killersentra
    @killersentra 2 หลายเดือนก่อน

    I'm thinking taking it at 40. I want my SSI now. Since there are individuals getting a clean and clear 1300-1500 clean and clear for housing NOW.

    • @bluesea1110
      @bluesea1110 หลายเดือนก่อน +1

      You want to retire in Vietnam the cheap paradise on earth 🙏🙏🛫🛵🍜☕️🎶🌴🎉🍺🍺

  • @NativePpl
    @NativePpl 2 หลายเดือนก่อน +4

    As of now, I better get my IRA/Brokerage accounts high enough for retirement. Social security will be a bonus if still available at retirement.

  • @TheFutureisTheFuture
    @TheFutureisTheFuture 2 หลายเดือนก่อน +4

    what if you start collecting at 62 and take that money and put it into an ETF fund instead of using it? How would that factor in? Earning another 10% on that money (hopefully minimum) seems like better than waiting to 70 to start collecting... fun math!

    • @josephhogue
      @josephhogue  2 หลายเดือนก่อน

      Interesting idea. Riskier because you're giving up fairly high guaranteed return but also a way to start collecting without having to live so long

  • @onlywenilaugh6589
    @onlywenilaugh6589 2 หลายเดือนก่อน +3

    Looking at break even is wrong in my opinion. One should look at monthly expenses and see if the monthly income can meet those. If not, then one needs to work a bit longer and wait until they can meet their monthly obligations. It doesn't matter that you start getting more in total at 77 if you cannot pay your bills each month.

    • @GUNNER67akaKelt
      @GUNNER67akaKelt 2 หลายเดือนก่อน

      Yeah, but that's a moving target these days. What could get you by 4 years ago and what gets you by now, is not the same. I don't imagine it'll get better in the future.

    • @onlywenilaugh6589
      @onlywenilaugh6589 2 หลายเดือนก่อน

      @@GUNNER67akaKelt true but cola increases will help keep up with inflation some.

    • @GUNNER67akaKelt
      @GUNNER67akaKelt 2 หลายเดือนก่อน

      @@onlywenilaugh6589 True, but then they tax it now.

  • @unclefester6501
    @unclefester6501 2 หลายเดือนก่อน +1

    Your medicare payment and any supplement plan you choose are not indexed for taking SS early. Deduct those costs, then do your breakeven. It is a significant cost.

  • @eddiewimberly4027
    @eddiewimberly4027 2 หลายเดือนก่อน

    You are correct unless you are still working, then the gov reduces SS not only by 25% plus $1 for every $2 you make over22k

  • @OGPedXing
    @OGPedXing 2 หลายเดือนก่อน +1

    I dunno man, there's never been a period of time where any combination of dividend stocks out performed the s&p 500 for the same period. The index fund always beats the best dividend stocks. And of course, the best is not the average, on average they significantly under perform against that index.

  • @amyc7467
    @amyc7467 2 หลายเดือนก่อน +1

    The body scan I do at the gym says the life expectancy by gender is 81 for women and 76 for men. That really emphasizes that we should be enjoying our money long before we retire.

    • @howardfriedman7077
      @howardfriedman7077 2 หลายเดือนก่อน

      Amy: Anyone making blanket statements like that, should be shunned.

    • @amyc7467
      @amyc7467 2 หลายเดือนก่อน

      @@howardfriedman7077 not a fan of statistics?

    • @howardfriedman7077
      @howardfriedman7077 2 หลายเดือนก่อน

      @@amyc7467 Not only am I a fan of statistics but, I did very well in my statistics courses in both, college and grad school. even today, I enjoy the occasional multivariate regression analysis.
      But, let's get back to MATH and Social Security. The Social security benefits decision is a different algorithm for everyone. To say that all people should start their benefits at the same time, regardless of what age that is, ignores most if not all of the variables that need to be considered.
      Additionally, a cohort's life expectancy changes as the age. Life expectancy at 40 is different than life expectancy at 50 or, 62.

  • @mikewood4578
    @mikewood4578 2 หลายเดือนก่อน

    If married, it is possible that one spouse will really need the extra money once the other passes. We’re planning to take the lowest earning spouses’s SSI early and try to hold off collecting the highest earner’s SSI as long as possible for this reason. I rarely see this mentioned.

  • @ljkool2
    @ljkool2 2 หลายเดือนก่อน +1

    I'm am not an expert on death, but I can guarantee that I will not be upset if I die before I collect any SS payments.

  • @ssoffshore5111
    @ssoffshore5111 2 หลายเดือนก่อน +1

    I have a reasonably good retirement savings and had kind of planned on collecting at 70 with the idea that I'd rather have the additional income later should my savings not last as long as I originally planned. After thinking about it more, I don't trust the gov or that they won't change the game (or become insolvent), so I'll likely collect at 62 and invest the money until I need it.

    • @josephhogue
      @josephhogue  2 หลายเดือนก่อน

      Similar to my thinking. Bird in the hand worth a LOT of government promises

    • @bluesea1110
      @bluesea1110 หลายเดือนก่อน +1

      65 is the reasonable prices bro you miss calculating 🙏🙏🛫🛵🍜☕️🎶🌴🎉🍺🍺

  • @michaelh2798
    @michaelh2798 2 หลายเดือนก่อน +5

    I have a younger spouse to think about, I want her to get the full retirement survivor benefit. Not worried about myself, who cares if i dont get a few checks.

  • @christopherstoehr2395
    @christopherstoehr2395 2 หลายเดือนก่อน +2

    If your spouse is twelve years younger than you, and you die, the spouse will receive the higher benefit from SS for many more years, changing your equation.

  • @johnscott2746
    @johnscott2746 2 หลายเดือนก่อน +8

    SSI is NOT Social Security. SSI is a welfare payment for low income people. A financial advisor should know the correct terms. Really damages your credibility.

  • @Dave-sw2dm
    @Dave-sw2dm 2 หลายเดือนก่อน

    All these videos are based on people able to retire at 62, and want to retire at 62. I am going to retire at 63, but I am going to consult and mentor part time and will make at least $50k a year from that so I can't start SS. I may just do that for a couple years and then fully retire.

  • @jamespierce5812
    @jamespierce5812 2 หลายเดือนก่อน

    Good morning, Corporal (USMC), I have been following you since the pandemic started, and I find this topic very interesting. When I turn 62 I will be earning enough money in my Roth(s) to match my SSI at that age, appx 1600 / month. My question to you would it be better to take my SSI at age 62 and wait on taking my Dividends from my Roth(s) till I am 67 (reinvesting those dividends), or should I take my Dividends at 62 and wait on my SSI until I am 67?

  • @Alexei2539
    @Alexei2539 2 หลายเดือนก่อน +2

    Yes, screw the government.

  • @roberta.harperii
    @roberta.harperii 25 วันที่ผ่านมา

    Turned 65 in April, on SSI
    Should I file for Social security.

  • @BillMaass
    @BillMaass 2 หลายเดือนก่อน

    No way any employee paid $400,000 of social security taxes. $67,000 wage at 6.2% is only $4,154/year. Over 40 years that would amount to only $166,160. That is even high because prior year earnings would have been lower unless you never got raises.
    One needs to factor more things into the equation like marital status, age difference if married, tax consequences, etc.. No way anyone should just claim early without considering their entire situation.

  • @jasonbroom7147
    @jasonbroom7147 2 หลายเดือนก่อน

    You missed the two KEY things you have to discuss when you ask this question; inflation and whether or not you'll be able to ENJOY more money at a much older age?! The extra money you get isn't really adjusted for inflation, since SS benefits rarely keep up. More importantly, what you can do at 82 will be profoundly diminished from what you could do at 62. Waiting is almost never in your best interests.

  • @Mike.GoldenTouch28
    @Mike.GoldenTouch28 2 หลายเดือนก่อน

    Yep take it asap damn

  • @gordonmccracken1209
    @gordonmccracken1209 2 หลายเดือนก่อน +1

    I cut out almost all meat with the exception of weekly Salmon consumption, I am 50 and cholesterol is fine.

    • @josephhogue
      @josephhogue  2 หลายเดือนก่อน

      Tried it for last 5 months; no cheese or dairy, fried foods or red meat...helped a little but not nearly enough. Family history 🙃

  • @Apeiron242
    @Apeiron242 2 หลายเดือนก่อน +5

    They need to remove the contribution limit that lets the rich skate by.

  • @texaszag8748
    @texaszag8748 2 หลายเดือนก่อน

    Question: if the difference between 67 and 70 is 3, how can you claim 32% increase in benefits by waiting until 70, if earning 8% per year? I believe one of your earlier slides showed 32% by waiting the 3 years. What am I missing?

    • @Satjr35031
      @Satjr35031 2 หลายเดือนก่อน

      @@texaszag8748Because the FRA last time was 66 Now it is 67 so you get that 24% bump

  • @Mike.GoldenTouch28
    @Mike.GoldenTouch28 2 หลายเดือนก่อน +1

    Like loosing virginity…. Why wait 😂

  • @RustyFineOutdoors
    @RustyFineOutdoors 2 หลายเดือนก่อน +2

    If you take SSN at 62 are the Dividends considered in the 22K limit?

    • @GUNNER67akaKelt
      @GUNNER67akaKelt 2 หลายเดือนก่อน +1

      Good question. If you have them in a retirement account and leave them in there, I don't think so, but they probably do if you take them out. If from a roth IRA, I'm not sure they are counted. Not an expert, so take that with a grain of salt.

    • @deanrotering879
      @deanrotering879 2 หลายเดือนก่อน +1

      No

    • @eavi1653
      @eavi1653 2 หลายเดือนก่อน +2

      Only earned income.

    • @josephhogue
      @josephhogue  2 หลายเดือนก่อน

      Any income, so non-qualified dividends would

  • @rpmnh
    @rpmnh 2 หลายเดือนก่อน

    One thing to remember is that once you’re dead money doesn’t matter at all…

  • @Lovcavs
    @Lovcavs 2 หลายเดือนก่อน +1

    I have a question Joe. I want to become a CPA but do not want to pay to get my masters. Is there a way to do it working and getting the referrals to take the text?

    • @rainking422
      @rainking422 2 หลายเดือนก่อน +2

      Hi Angie, I don't know that Joe is a CPA, he is a CFA which is a difference qualification. I hope I can offer you some help answering your question. The requirement as far as how many college credits minimum you must have in order to sit for the Uniform CPA Exam is actually determined by the licensing authority for the state where you reside/plan to sit for the exam. I would start there in researching their requirement, if it does not say that a masters is required and only gives a number of credit hours required then that should answer your question. It MIGHT make sense to go for the masters if you need twenty-some more credits but if you are in school now for your undergrad, a relevant second major in a related business discipline may add the number of credits you need to reach your requirement. That said, if your state agency says 150 hours and you have 126, your option really is to take another 24 hours of coursework relevant to a related business discipline. There really is probably no work experience credit or referrals or anything like that to get around it. I hope that helps.

    • @Lovcavs
      @Lovcavs 2 หลายเดือนก่อน

      @@rainking422 thank you for breaking it down.

    • @josephhogue
      @josephhogue  2 หลายเดือนก่อน +1

      I don't think you need masters for CPA, only bachelors but could be wrong

    • @rainking422
      @rainking422 2 หลายเดือนก่อน

      @@josephhogue In the state where I took the CPA exam it didn't require the masters, but if I recall correctly it did require 150 credit hours. I got my Bachelors in Accounting and Finance upon returning to school after previously earning a Bachelors and a Masters in unrelated fields so I was able to meet my state's credit hour requirement that way.

  • @GSum-sq1dp
    @GSum-sq1dp 2 หลายเดือนก่อน +2

    What if you take it at 62 and just invest it instead of spending it? How much difference would that make?

    • @Satjr35031
      @Satjr35031 2 หลายเดือนก่อน +1

      I guess it’s going to depend on how much your other income is.

    • @ssoffshore5111
      @ssoffshore5111 2 หลายเดือนก่อน +1

      A big difference (assuming you make a positive return), but the answer depends on the rate of return on the investment...

    • @johngill2853
      @johngill2853 2 หลายเดือนก่อน +1

      Unless you work how can you save it?
      Do not collect at 62 if your working (unless you make very little money)

    • @GSum-sq1dp
      @GSum-sq1dp 2 หลายเดือนก่อน

      @@johngill2853 I will have a pension, a Roth IRA, a 457b, and and a brokerage account.

    • @josephhogue
      @josephhogue  2 หลายเดือนก่อน

      Interesting idea but risky. Giving up a guaranteed 6% for stock return but does get you out of the live-to problem

  • @SamuelBarton-k7p
    @SamuelBarton-k7p 2 หลายเดือนก่อน +1

    Better check your math, there is no way average person contributes $400k to social security in today’s dollars. Max contribution in 2024 ~$10.6k per year. Contributing max for 38 years would not be average.

  • @colleenconger5265
    @colleenconger5265 2 หลายเดือนก่อน

    But what about the big deductions you get automatically that should lower it

  • @KingFitAngler
    @KingFitAngler 2 หลายเดือนก่อน +1

    you must contribute 35 years into social security to receive a full amount. why work any longer and contribute to social security? you wont see the extra money you are forced to give up. age 57 should be the retirement age...

    • @howardfriedman7077
      @howardfriedman7077 2 หลายเดือนก่อน

      King: You are eligible for benefits with 10 years of contributions. They use your top 35 years to calculate benefits.

  • @mikelally97
    @mikelally97 2 หลายเดือนก่อน +1

    Take it the first chance you have. Social Security is going the way of the Dodo bird,

    • @howardfriedman7077
      @howardfriedman7077 2 หลายเดือนก่อน

      Mike: why would SS go away?

    • @josephhogue
      @josephhogue  2 หลายเดือนก่อน

      Am hoping when they raise age I get in under the wire

    • @howardfriedman7077
      @howardfriedman7077 2 หลายเดือนก่อน

      @@josephhogue Again, why would there not be a SS program?

  • @frankskidmore9171
    @frankskidmore9171 2 หลายเดือนก่อน

    Watch Dr Ken Barry , go carnivore get off of Meds ! Love your channel !

  • @wlonsdale1
    @wlonsdale1 2 หลายเดือนก่อน

    You get less younger but you collect longer

  • @MLMcCallum
    @MLMcCallum 2 หลายเดือนก่อน

    Avg male does in Early 70s, avg women early 80s

  • @onelovin4574
    @onelovin4574 2 หลายเดือนก่อน

    Hello I'm new to dividends I been watching your vids n making a big watchlist file from your vids I started to buy some stocks a month ago. But I just came across non qualified, and qualified dividends think you can make an video of qualified dividends or less taxed dividends cause I'd like to have more qualified dividends so I won't get taxed so much on my dividends I tired to find vids about it but no one really talks about what stocks are qualified. I'd like to make an watchlist on qualified but can't seem to find vids talking about them.

    • @GUNNER67akaKelt
      @GUNNER67akaKelt 2 หลายเดือนก่อน

      As long as you have your dividend stocks in a roth or traditional IRA, you don't have to pay taxes on them. With trad IRA you start paying taxes when you take money out (whenever after 59 1/2). With roth, you never pay taxes on them (exept certain ones). I think I only have one stock that pays qualified dividends. I'm not that worried about it. Although, if you invest your money inside a non-tax advantaged account, then qualified divs are more important.
      Can't help you much on finding which stocks that have dividends that are or are not qualified.

    • @onelovin4574
      @onelovin4574 2 หลายเดือนก่อน

      Ok

  • @ScottBrooker-oh5ym
    @ScottBrooker-oh5ym 2 หลายเดือนก่อน

    Never wait. Inflation and future taxes will eat up your funds. No guarantees its there later.

  • @ac4185
    @ac4185 2 หลายเดือนก่อน

    Statin Side Effects: hair loss. You gonna lose that one hair on your head.

  • @user-zj3cv4mw8p
    @user-zj3cv4mw8p 2 หลายเดือนก่อน

    To start collecting at 62 years makes more sense. To start collecting at 62, does one have to retire from your current job at 62?

    • @VuongNguyen-un1vm
      @VuongNguyen-un1vm 2 หลายเดือนก่อน

      He said no. You can still working but every $2 you make from your job, they will take $1 off from your Collection

    • @Satjr35031
      @Satjr35031 2 หลายเดือนก่อน

      Misinformation This year any money you make over $22,600 $2 will be take out for every dollar

    • @deanrotering879
      @deanrotering879 2 หลายเดือนก่อน

      I would not start collecting SS if still working full time. You get less and there is the 2/1 penalty. Don’t take it until you stop working or working partctime

    • @user-zj3cv4mw8p
      @user-zj3cv4mw8p 2 หลายเดือนก่อน

      @@deanrotering879 part, minimum of how many hours a week and no deductible?

    • @L4P-Monk
      @L4P-Monk 2 หลายเดือนก่อน

      I'm currently taking Surviving spouse benefits. I started at 60. I am now 64. I'm riding this gravy train until 70. Everyone's situation is different. Do what you think is right not what someone else thinks is right. If I die at 69 that is ok. I gave it a go. But. I quit working at 60 and have no regrets about that. My benefit continues to grow all of the time. My wife died. I am on her benefit. Once I switch to my benefit the benefit I am currently getting is gone. But my check will be like we are both living in retirement. Get it? Maybe not.

  • @anniesshenanigans3815
    @anniesshenanigans3815 2 หลายเดือนก่อน +2

    don't take Statins!! Too much info out there to show the side effects are so bad it's far better to just change your diet and lifestyle.

  • @howardfriedman7077
    @howardfriedman7077 2 หลายเดือนก่อน +1

    SSI is NOT Social Security. You now have zero credibility.

  • @richhoyle1254
    @richhoyle1254 2 หลายเดือนก่อน

    Scrap it pls.

  • @andymoag4399
    @andymoag4399 2 หลายเดือนก่อน

    2 minutes of preamble, I’m out.

  • @bluesea1110
    @bluesea1110 หลายเดือนก่อน +1

    65 is the reasonable prices 🛫🛵🍜☕️🎶🌴🎉🙏🍺🍺