Tessie, I spent many years working in the public school system. This very subject came up one day in the teacher's lounge. Our head math teacher used a whiteboard to show us how it does not pay to wait past age 62 to start collecting your social security. He had a formula and he was an extremely smart man who we all trusted. I can't repeat the formula, but the gist of it was that you will never make up the difference you lose by waiting. I know that the government wants us all to wait until we are on the verge of death before we sign up, that way you won't live long enough to collect what you've paid in, but you're better off signing up at 62. And yes, my husband signed up as soon as he was eligible. Also, let Ken know that he needs to sign up six months before his 62nd birthday.
Agree totally. Start social security at 62. And Tessie if your income is not too high, even if you never worked, you too can sign up at 62. And you will receive 50%, then further reduction of maybe 72% of the 50%. Look into the numbers. Should one's spouse pass on, then the new amount for survivor is 100%. Please research your options.
Time flies SO fast. I'm 69, retired at 62, and it feels like it's only been a year or so! I tell people all the time that I'm soooo glad I did and if you can afford it at 62, do it!
As a widow, I retired from teaching at 60 and began taking SS at 62. I would recommend that Ken file for SSDI (disability) now that will later turn into regular SS when he reaches full-retirement age, and he will not be penalized for taking his SS early. After 2 years of disability, he will be eligible for Medicare.
I agree with regards to SSDI. Also, my husband took retirement at 62. The biggest challenge was medical insurance till age 65. Also, know that your social security benefits will be affected by his early (age 62) decision. I say this because we didn’t give that consideration when my husband retired early yet we have NEVER regretted retiring at 62. We too make lifestyle adjustments. God is good and we are blessed.
she is right SSDI first and then it will go into Social Security and you won’t be penalized for taking Social Security at 62. I am on Social Security now but I was on SSDI sense 2013 I was 54 I was told by Social Security that that was the best way for me to do it so I would not get penalized for taking Social Security out too early
Yes, from experience here from an 80 yr old. You should always start at 62. It's a blessing! We are not promised tomorrow and waiting till seventy may never happen. A few dollars more is tempting but it is not enough to wait for. That's up to your husband though to do what he feels is best for him. My dad died a few weeks after he signed up at 62. He got his first check a few days after he died and the SS dept requested it be sent back. Then my brother never made it due to dying unexpected at 57 and brother-n-law died at 58 unexpected. We just never know what tomorrow holds for any of us.
So sorry to hear. I too had an aunt that passed at age 64 of cancer so she only got two years of SS. Another aunt died of leukemia. One uncle that passed from a heart attack before even retiring and another of cancer shortly after retiring.
The story of your Dad is similar to mine. He didn't even get his first check, my Mom had to call SS and they took the money back. My Dad knew (even before getting sick) that you have to live a *very* long time for the money to even out if you wait for full retirement age. I plan to take mine as soon as possible. I want to live while I can, and that freedom is worth more than any amount of money!
I'm 67 years old. My Brother-in -law passed away in 2023, and was born same year as I. My sister-in-law passed away in 2015 of ovarian cancer, and born in 1958. My Brother in law's brother passed away last year around June, and he was born in 1959. You're not kidding we don't know the day or the hour when we'll go.
In my 60’s I had a chronic illness and it was difficult for me to continue working. My husband passed away in 1999 I was able to collect survivors benefits. At age 70 I began collecting on my own social security record. With any type of a chronic illness I would advise your husband to collect at 62. No job is worth it. Family always comes first.
Hey sweetie, good for you sticking up for your hubby. Never mind peoples unsolicited advice. N.O.T.B. (None of their business). You two lovebirds do what is best for you. Yesterday I watched a you tube channel discussing why they were going to start collecting at 62. It made a lot of sense. I have 3 years and 4 months until I start collecting. Those who take a negative stand on Social Security don't understand that it is money that we who are entitled because we paid into it. If it were up to me, I wish they never took my money in the first place. I would have done something smarter with it and wouldn't wonder if there will be any left by the time I want to collect. Thank you for your hard work. We all appreciate you.
Tomorrow may not be promised, but I waited to age 70 to collect my SS, because I remembered how little my mother got from collecting at age 62 (she lived to age 86) and my MIL, (who collected SS at age 62 and lived to age 93) complained bitterly about how little she got from SS, and how she regretted collecting at 62.
My husband is disabled; he was diagnosed with MS 10 years ago, and it has progressed quickly. We had a nice nest egg, for the retirement we dreamed of. 2 letters changed everything we dreamed of doing. His meds every month, drained that nest egg, within a few years. We had moved into a farm house, on 5 acres, before the diagnosis. God is great, he knew we needed to he here, not in the city. Long story short, i took my SS at 62, it has been a tremendous help to us. I say, go for it!!!
Yes, I retired at 62 and thank God I did! Shortly after I retired, my husband was diagnosed with stage 4 esophageal cancer and being retired has afforded us more time together. You’re right, Tessie, life is short. Short of a miracle (which we continue to pray for), he is quite possibly living the last days of his life now. We learned to live on less and thank God, had no mortgage or car payment. No material things have a higher value than time. Cherish it! 🙏
I'm so sorry, I will keep you and your husband in prayer. I lost my husband 3 years ago. Spend every minute you can together and talk about everything. Blessings for both of you
First of all, I would like to say, i'm so sorry about that accident your husband was in at that early age. And when you have to live with pain or discomfort because of it, it can make everything really uncomfortable and hard at times. I live with chronic backpain and after surgery and a fusion i have never been painfree. It gets very complicated at times. When you say you are very protective of him and what he does i totally get it. You love your husband and you want him by your side as long as possible and that's how it should be. I'm widowed and i took care of my husband who was very ill, until he passed away. Take care of each other and adjust your life to whatever it will take to be there for each other and love each other. You are remarkable people and i'm so happy to be a part of your youtube family. Many greetings from your friend from idaho on this cold day. Stay warm! The
I read some of the comments on your last post, and I was shocked at how a few people were basically demanding Ken do this or that. We all appreciate you and Ken telling his story, and hopefully, the negative Nellie's will hush up. 😊
@@shanalong1508 i saw the comments too, and was appalled. The way people think it is okay to harden people's lives by adding their judgment to the load. When he is not working, there will be a reason for that. Sort your own life out, people!
I waited until I was full retirement, 66 2 months. I was still working and did not have to take it early. Taking it at 62 costs you about a 40% reduction. I think no one can tell you what works for you. If you can wait, do that if you need the money, then perhaps you should look into taking it at 62. I have collected SS for just over 3 years and have never used it. I invest mine. I still work (self-employed) and everything is paid off. What worked for me may not for others. One thing to consider. Once you file you cannot change that. If your (wife) SS is less, then your husbands and he passes before you, you only get the amount up to what he collected. Just get educated in this area before you collect. Good Luck! ~hippie Chick~
That happen to my sister - in- law she was driving the weather was beginning to melt the sun was shining the road was wet she driving on crew control she came to rail road track it dip down in the shade the road was still icy she did not see it coming as she approached the railroad tracks the Lord told her to turn off the crews control which she did she said I know it was God’s voice because I’am not that smart yes get social security at 62 I did my husband did because get it which you can yes life is to short to wait 🙏🏻🙏🏻🙌🏻🙌🏻❤️❤️
I went into the Social Security office at age 65, to only sign up for Medicare. The man that worked there, asked me why I hadn’t signed up for Social Security yet. I said I was going to wait until 66 years and two months. He brought out a piece of blank paper and did the math in front of me. He TOLD me not to wait…his math demonstrated that you will never make up that money by waiting
Kenny, I did take Social Security at age 62 and I would highly recommend that you do! My thinking is that we don't know how much longer we have in life, especially with physical problems, so, in my opinion, it just makes sense to take it now and enjoy the extra security that comes with it! I don't regret taking it at 62, it has been a tremendous blessing to me! I'll be 66 in a few months and I truly don't know where I would be right now if I hadn't taken it when I did.
I was able to draw social security at age 60 (I'm 63 now) as survivor benefits, because my husband passed away 13 years ago. It was the best decision I ever made, because the stressful job I had was killing me. I say to everyone to take it as soon as you can, because someday it won't be there.
My husband is 5 years older than me. He waited to collect social security til he was in his late 60's. He was working maintenance at a hotel and downtown was getting rough and I was afraid he would get hurt walking to his car. There were shootings and lots of things happening-not a good situation. I retired at 62 and started collecting social security at 63. It was a good thing for us because my granddaughter moved in with her daughter. Since she was finishing her last semester of college and working we took care of our great granddaughter while she was at work or school. Money was really tight but we made due. Once she moved into an apartment the pandemic hit and I was grateful we could stay at home. Money isn't so tight anymore but we live simply. We also saved for our retirement when we were young and those investments paid off (no matter how much we struggled before retirement we never touched our 401k).
I understand totally what you are saying. I took my SS at 62 because I figured out by numbers that I would never make up the difference between 62 and 70!! So please take it. It worked out too so I could care for my husband who had dementia and he could stay home. God will always provide for us!
My husband and I waited until 66 to collect. I’m so glad we waited. The difference is quite a bit more money per month. I also will receive his full benefits if he passes away before me. I’m 6 years younger so it its security for me and will make life easier as a widow. Everyone needs to decide what is best for their situation. We both were in good health in our sixties, so working until 66 wasn’t a problem. Fast forward we’ve been retired 10 years, the basics such as food and utilities cost a lot more, so I’ll glad for the higher income. We have cut back too.
You did not make any more money by waiting!! Figure up the amount you lost in those four years. (Plus, four less years of your life to collect.) However, if you were healthy, and still WANTED to work, that may be a different story.
Oh my goodness. I've lost 3 kin and 2 friends from hitting a tree in a car all gone. It's a very serious accident. Deadly most of the time. I took my social security at 62. Life is short. I want to spend time with my grandkids and my garden, simple living. It's a great choice. 👍
I started collecting at 62, I was caring for my son before he passed and unable to work…he was my priority. My husband waited till retirement age…collects and continues to work…he is a workaholic…always has been. He will be 70 this May, but had a heart attack in September and I hope he cuts back .
Hi, I started collecting SS two years ago .To make a long story short I was diagnosed with breast cancer found on my annual mammogram. My Social Security income has been a life saver for my husband and I. Life is too short to wait any longer. My surgery and treatments were successful. Enjoying your videos Tessie ❤
I turned 62 during COVID. Since I didn’t know what the future held I decided to go for it. It was the best decision ever. I still substitute teach a little bit but that’s it. It certainly has made my life more comfortable..
I began collecting at 62, and it was a lifesaver for me personally. I admire your choices and have adapted very much the same for myself, living simply and at peace! 😊 God bless you and your husband. I am sure you will make the right decision for you!
You know what?! He might be better off applying for SS Disability now with his Ortho doctors help.... Because... The income may be more and it's has other benefits... Please investigate this! From a nurse.... Good luck!
My husband took his at 65 but only after retirement. He was 5 yrs older and our financial advisor told me start your social security. I didn’t think I was eligible because I was running a at home daycare. We each banked our SS and we used only my earned taxed income until I retired. He passed 10 yrs after I retired but was with me everyday the Best friend in my life. God was good
I have 4 metal plates and screws in my skull from brain tumor surgery. This has been since 8 years ago. My Husband is 62 also. That would be extremely helpful to have social security now. He is a full time caregiver to me, our daughter, and our son.
I started collecting ss at 60 from my late husband. I lived 3 years after his passing with zero income and lived off our homestead as well as what we prepped for. I downsized 80% or more and moved 7 months ago. Living in a 10'x12' shed, off grid and doing okay. Retire, enjoy life and make memories as life is short.
I was forced out of my job at age 60. I tried a couple of different jobs, but finally came to terms with the fact that I was burnt out and tired (40 years as a nurse). I also had chronic back problems and bone-on-bone arthritis in both knees. I decided to be done. Fortunately, I had saved well, and was able to stay afloat until I could apply for SS at 61 1/2, to begin drawing at 62. I also had 2 pensions but was unable to draw from them until 62 as well. I consulted a certified financial advisor who walked me through the entire process, showed me how to invest wisely for the long term benefit. But his best piece of advice was to start drawing SS at 62. Showing me the breakdown, there was very minimal difference between the amount I would collect monthly at 62 vs. 64- like less than $100/month. Best decision I’ve ever made.
Retired Nurse here too. I had 2 coworkers that insisted they were going to wait until they were 65 to collect SS. They never lived long enough to collect. One died of Cancer and the other had a Heart Attack by the time they were 62. Lesson learned. I retired at age 62.
Kenny, I have a couple months on you. I will be 62 March of 2027. My husband has 3 years, and he is planning on taking SS at 62. He also has some screws and titanium in him from an old injury/surgery. I believe if you are a blue-collar worker, it is not always that easy or simple to keep working past a certain age in the same capacity. Do what is best for your family. Watch Paul and Emmie from Frugal Money Saver. They put up a video last week on why he is deciding to take SS at 62.
I think you and your husband are very wise. And yes, I wish my husband and I had taken SS at 62. My husband insisted on working to the bitter end he had health issues and passed away without being able to enjoy very many years retired. During that time we also divorced. If we had retired early and lived a simple life, we always wanted to homestead I think things would have been different. Don’t make your husband uncomfortable by being on camera, I enjoy hearing you talk about your daily life.
❤❤❤❤🙏on❤❤❤❤ I was disabled by strokes at age 58. Then my husband passed when our son was 9. I got SS at 62. It wasn't even close enough to keep a roof over our head.😢 I would suggest you find out what his benefits will be then. Also the amount it would be if you both can wait . ❤❤ Your in my prayers. Ask God. He will tell your heart what to do ❤❤
Hello Tessie I’m not 62 (yet ) lol the amount of money if you wait until age 65 is not much of a difference. I would say if you can afford the little less amount go ahead take it at 62. Enjoy your life while you have it thank you for your channel
That is a decision that is totally up to the two of you. If y'all are happy and able to work it out, no one else needs to worry about it. Good for you Tessie. God bless. 💗🌷
I completely understand. At age 33, I suffered a severe back injury at work that ended my nursing career. I couldn't ever work outside the home again. I began drawing SSD approximately 6 years later. Now I'm pretty much homebound and need an electric w/c to get around. I can't stand in one place for any length of time and have great difficulty walking a very short distance. It's a huge blessing to have a loyal, faithful and supportive husband which I do. I'm 70 now, my husband is 77 and I don't know what I would have done without him all of these years. I wish you both every success in all you do. ❤
Thank you for sharing this video. Bless your husband's heart, and bless yours too, Tessie. What you said touched my heart to the core. What a beautiful heart you have, having that protective love. That's amazing. Brought tears to my eyes. That's the kind of love that runs deep.
My mama, father-in-law, husband, and I started taking SS at age 62. Taking SS early has been a blessing to all of us. We had no mortgages or debt and are living well.
I feel the same way Tessie. I tried to get my Husband to retire before he did. He now says he wishes he had done it. We get by. He has good retirement and now we both draw SS. He is older than me, Im 64 I started drawing at 62, he was still working so he started drawing at 66. If you are not working its smart to start drawing at 62. It would take many years to make up the difference if you wait. And my poor Mother was going to wait till she could draw the maximum and passed away at 63, so she never saw a penny of SS. Take care Tessie. ❤
My husband made the decision to retire at 62. His job was very physically demanding and I am very glad he made that decision. We have to take care of ourselves, and thank the Lord for America, where ❤we can retire early
I had a car accident years ago. I was 51 years old. I have a metal rod in my upper left leg and one in my lower left leg and a metal plate on my left ankle. I retired from teaching at 60. In Canada we can’t get old age security until 65. Have a great evening everyone!
Hi There Julie 😊, I Am So Sorry That You Have Gone Through So Much My Friend! You Did So Well To Carry On Teaching Until You Were 60, May GOD Bless You Julie, Andrea
Tessie, Tell Kenny I started SS at 62 and have never regretted it, now I am 70 with osteoparosis and it limits my movements drastically. Enjoy it as soon as he can. Yes it is more if you wait, but totally not worth waiting. Love you Tessie
I started at 60 after my husband passed away. My financial planner advised me to ,l could have waited until l was 65 and get grand total of $35 more a month,l would have never recouped the five years of not taking it. Also please get your husband to go on disability right now! It is NOT free money from the government! He paid into it all the years he did work! He deserves it! Prayers for your discernment.
I believe that if you have health concerns that makes it difficult to work, then yes, retire at 62. However, 62 is still pretty young by today’s standards, so if a person is healthy and fit, I think you should continue to work and save.
I chose to collect Social Security at 63. I did a rough calculation of the difference between taking it at 62 and waiting until almost 67 for "full" benefits using a life expectancy of 85. The little bit more I would make by waiting was not enough to sway me to do so, especially with the stress level that was increasing at my workplace. I agree with you that life is short and I had several friends and a sister that passed away from illness at a young age and I wanted to be sure I had time to enjoy life because who knows when our last day will be. Being debt free has made it easier to live on a modest retirement income and I'm glad I chose to take the earlier retirement. Plus they keep talking about there are going to be cuts to SS in the next few years and I figured I should get what I can from the program that I paid into for so many years. Thank you for sharing the story about Kenny. I never thought about anyone saying something negative about him from your last video, but I also remember when he had that fall and how hard it was getting to keep doing a physical job with each passing year. I try to watch as many of the ads as I can on your videos to help you out with TH-cam. Enjoy your life together and do what works best for the two of you!!
I’ve been a widow for 12 years. In 2.5 more years, I can collect SS at the age of 60. I remain a widow, and we were married over 10 years . I wasn’t aware of this until 2 years ago. Not everyone knows about having the option to collect at 60 as a widow or widower.
HI Tessie...I've been collecting SSI for 10 years since I was 62. I sat and figured out the difference between what I would make if I waited to 65 and what I'd make at 62 and I felt it was far better to take it at 62. Like you said, life is short. Your life will be easier and I don't think you'll ever regret it. God Bless!
Herein is the issue. We do not know their financial situation. Do they have $500K in the bank? Was he the overall high wage earner? Have they shared this info? This is imported pieces to the puzzle.
I did not start SS till 67.5. The reason being, my husband has many medical conditions. One was losing his kidney to cancer and a botched lamentation. Then, in the only kidney he had left, he has a kidney stone. During surgery, I was told they would do everything to save his life. That kidney got damaged and his last kidney has only partial use. At the time, I worked at the hospital just to keep up all our medical for him. We all do what is best for our spouses. He is in constant pain, but he never complains.
Hi Tessie n Ken, you need to go to take a well worth drive to a ss office and they can tell rather quickly the amount of money hubby would be entitled to at 62 or 63 and you can decide from there, I’m guessing waiting till retirement age is probs beneficial. Enjoy 🌻
Hi Tessie, that was very courageous to share that about your husband, he is very courageous to allow you to share that. I am a person who had a work accident in 2016 and I have been disabled with chronic issues ever since. I am 58 years old now and I am on SSDI. They don’t give you very much but it’s helps. if I were to be asked a year ago about taking retirement early, I would’ve said no. But I’ve been following several reliable channels about Social Security and disability. They are saying that the money might run out early, they’re saying there may also be some major cuts in the next 10 years. If I were in your husband situation, I would not wait. Many people are applying for that service and I would be concerned about getting less later. Those are my thoughts on that.
The entire situation would be resolved if they just lifted the cap. Is it that much of a hardship for a person making between 2-3 hundred thousand a year to pay ss taxes on 275 as opposed to 250?? With all the multi milionaires and billionaires out there it would be an easy fix. But this country has become based on greed.
I wish the best for both of you and thank you and your husband for sharing this with us and I am so sorry that happened to him I totally understand you wanting to have your husband home with you I understand totally about having chronic pain. Thank again for sharing this with take care and have a wonderful and blessed day love you guys ❤️❤️❤️❤️
Thanks to Ken for sharing. He didn't have to but it clears up things that seem to matter to a few people. I have chronic pain in my foot. I broke my ankles and three other bones in my left foot. I, had plates and screws in both ankles on that foot. I was fifty and am now 77. I should have had the plates and all removed but after a long recovery from a major surgery most people don't want anther surgery to recover from. I now have a screw wandering around my foot. Yes, I have pain. I also have fibromyalgia and chronic pain and fatigue. I took my social security at 62. I figured it out and if I had waited one more year it would have added $3.00 more a month than if I took it at 62. I suggest Ken put in for it now. It will be a blessing for you both. Plus he will feel that he is contributing to your over all income. I know he contributes a lot already by all the work he does on your homestead. I'm happy you are not going to be working so hard. Enjoy your life and keep inspiring all of us. You seem so relaxed and that reflects in your beauty. 💕🙏🙏
I understand about your hubbys health issues. He sounds like he's in good spirits and good hands. I have titanium fused to my spine so I can relate to aches, especially in cold Canada. Here in Canada, people can start collecting pensions at 50 plus. However, the most benefit would be 67. I must say, your bangs make you look younger👩
Wow that was a bad accident. I lived in Dayton Ohio and the first year I was there I slid across a sheet of ice that I didn’t see at the bottom of a hill. Slid right under a truck. Was really lucky that I stopped at the windshield. Glad he was ok for all these years. 😊
We both collected at 62. Best decision ever. My husband died unexpectedly at age 69. I'm doing fine living a simple life in our home receiving only social security. Once 65 the Medicare insurance kicks in. Great insurance. Good luck and God Bless you both.
My husband and I both chose to get our SS at 62, and it has been the best decision for us. It is a lesser amount than if we waited, but as none of us are promised tomorrow, we knew this was best for us and we have downsized our spending and enjoy a very well stocked pantry, akin to what you have, and we have so much peace since we did this. 🙏🏻
My brother in law lost his college job in 2020 due to covid, he was fortunate enough to have a severance pay, which helped carry him and my sister in law through to this year, which he will be collecting SS at 62. My husband and I were fortunate enough to wait until 65. I know about chronic orthopedic issues. Prayers for your husband. 🙏
I am turning 55 in July. I applied for disability because I have a spinal cord injury and have a spinal cord stimulator with 4 leads in my spine. I have Fibromyalgia, Hypothyroidism, cervical fusion, TMJ, blushing disc, spurs on my spine and feet, chronic pain syndrome, nerve damage, Arachnoiditis,fatty liver, stage 2 kidney disease, gerd, going through menopause. I’m sure I’m missing something. It’s been over a year I applied so I guess I’ll need to get an attorney. I have good days and bad days. I still work part time as much as I can. It’s hard. I have amazing bosses who allow me to work when I wan or work from home if needed. I am not a candidate for spine surgery because I would have chance of being paralyzed. I do everything I possibly can to save a penny so I appreciate the creators I follow that have helped me get by. Medical bills killed us.
Tessie you are the sweetest ever. I am sure your husband knows he is very lucky. Blessing to you both. I will be 62 in June and YES I am going to retire and collect social securty. I am going to make it work. Your so right life is too short. Take care. 💐💐💐
My dad broke his femur and needed this type of repair. He favored his leg and would put the pressure on the hip. He ended up breaking his hip because of the stress he put on it. God bless, take are care and stay well.
Tessie, I spent many years working in the public school system. This very subject came up one day in the teacher's lounge. Our head math teacher used a whiteboard to show us how it does not pay to wait past age 62 to start collecting your social security. He had a formula and he was an extremely smart man who we all trusted. I can't repeat the formula, but the gist of it was that you will never make up the difference you lose by waiting. I know that the government wants us all to wait until we are on the verge of death before we sign up, that way you won't live long enough to collect what you've paid in, but you're better off signing up at 62. And yes, my husband signed up as soon as he was eligible. Also, let Ken know that he needs to sign up six months before his 62nd birthday.
It’s actually the month before but you don’t get paid until a couple of months past your 62 birthday
yes I took mine early because medicare doesnt get taken out till 65 so thats more money in your pocket as well ...😊
@@shodson314no 3 months ahead apply, paperwork... need I say more. First deposit soon as u turn 62...
Took mine at 62 and so glad I did! Signed up I think the month or three months before my birthday.
Agree totally. Start social security at 62. And Tessie if your income is not too high, even if you never worked, you too can sign up at 62. And you will receive 50%, then further reduction of maybe 72% of the 50%. Look into the numbers. Should one's spouse pass on, then the new amount for survivor is 100%. Please research your options.
Time flies SO fast. I'm 69, retired at 62, and it feels like it's only been a year or so! I tell people all the time that I'm soooo glad I did and if you can afford it at 62, do it!
Retiring at 62, yes. But taking SS at 62, NO--they are 2 different things.
As a widow, I retired from teaching at 60 and began taking SS at 62. I would recommend that Ken file for SSDI (disability) now that will later turn into regular SS when he reaches full-retirement age, and he will not be penalized for taking his SS early. After 2 years of disability, he will be eligible for Medicare.
I agree , it will take some medical tests to prove the injury but worth it in the end. He's paid taxes, he deserves his SSDI.
I agree with regards to SSDI.
Also, my husband took retirement at 62. The biggest challenge was medical insurance till age 65. Also, know that your social security benefits will be affected by his early (age 62) decision. I say this because we didn’t give that consideration when my husband retired early yet we have NEVER regretted retiring at 62. We too make lifestyle adjustments. God is good and we are blessed.
she is right SSDI first and then it will go into Social Security and you won’t be penalized for taking Social Security at 62. I am on Social Security now but I was on SSDI sense 2013 I was 54 I was told by Social Security that that was the best way for me to do it so I would not get penalized for taking Social Security out too early
You are correct that's what I did
I agree. My husband became disables at age 50. SSDI paid full retirement benefits and Medicare . So worth it for him to apply for that
Yes, from experience here from an 80 yr old. You should always start at 62. It's a blessing! We are not promised tomorrow and waiting till seventy may never happen. A few dollars more is tempting but it is not enough to wait for. That's up to your husband though to do what he feels is best for him. My dad died a few weeks after he signed up at 62. He got his first check a few days after he died and the SS dept requested it be sent back. Then my brother never made it due to dying unexpected at 57 and brother-n-law died at 58 unexpected. We just never know what tomorrow holds for any of us.
So sorry to hear. I too had an aunt that passed at age 64 of cancer so she only got two years of SS. Another aunt died of leukemia. One uncle that passed from a heart attack before even retiring and another of cancer shortly after retiring.
My husband retired 3 years ago at age 67,so glad he did,I love the time we have together. I would retire at 62 .
The story of your Dad is similar to mine. He didn't even get his first check, my Mom had to call SS and they took the money back. My Dad knew (even before getting sick) that you have to live a *very* long time for the money to even out if you wait for full retirement age. I plan to take mine as soon as possible. I want to live while I can, and that freedom is worth more than any amount of money!
I'm 67 years old. My Brother-in -law passed away in 2023, and was born same year as I. My sister-in-law passed away in 2015 of ovarian cancer, and born in 1958. My Brother in law's brother passed away last year around June, and he was born in 1959. You're not kidding we don't know the day or the hour when we'll go.
In my 60’s I had a chronic illness and it was difficult for me to continue working. My husband passed away in 1999 I was able to collect survivors benefits. At age 70 I began collecting on my own social security record. With any type of a chronic illness I would advise your husband to collect at 62. No job is worth it. Family always comes first.
I took mine at 62 ( 5 years ) ago... best move i ever did... tomorrow is not promised
Don't wait. I retired at 62 and have never regretted it.
Hey sweetie, good for you sticking up for your hubby. Never mind peoples unsolicited advice. N.O.T.B. (None of their business). You two lovebirds do what is best for you. Yesterday I watched a you tube channel discussing why they were going to start collecting at 62. It made a lot of sense. I have 3 years and 4 months until I start collecting. Those who take a negative stand on Social Security don't understand that it is money that we who are entitled because we paid into it. If it were up to me, I wish they never took my money in the first place. I would have done something smarter with it and wouldn't wonder if there will be any left by the time I want to collect. Thank you for your hard work. We all appreciate you.
Tomorrow may not be promised, but I waited to age 70 to collect my SS, because I remembered how little my mother got from collecting at age 62 (she lived to age 86) and my MIL, (who collected SS at age 62 and lived to age 93) complained bitterly about how little she got from SS, and how she regretted collecting at 62.
My husband is disabled; he was diagnosed with MS 10 years ago, and it has progressed quickly. We had a nice nest egg, for the retirement we dreamed of. 2 letters changed everything we dreamed of doing. His meds every month, drained that nest egg, within a few years. We had moved into a farm house, on 5 acres, before the diagnosis. God is great, he knew we needed to he here, not in the city. Long story short, i took my SS at 62, it has been a tremendous help to us. I say, go for it!!!
Life is short, you’re right!
Yes, I retired at 62 and thank God I did! Shortly after I retired, my husband was diagnosed with stage 4 esophageal cancer and being retired has afforded us more time together. You’re right, Tessie, life is short. Short of a miracle (which we continue to pray for), he is quite possibly living the last days of his life now. We learned to live on less and thank God, had no mortgage or car payment. No material things have a higher value than time. Cherish it! 🙏
❤
I'm so sorry, I will keep you and your husband in prayer. I lost my husband 3 years ago. Spend every minute you can together and talk about everything. Blessings for both of you
💗
I totally understand what you are talking about.
First of all, I would like to say, i'm so sorry about that accident your husband was in at that early age. And when you have to live with pain or discomfort because of it, it can make everything really uncomfortable and hard at times. I live with chronic backpain and after surgery and a fusion i have never been painfree. It gets very complicated at times. When you say you are very protective of him and what he does i totally get it. You love your husband and you want him by your side as long as possible and that's how it should be.
I'm widowed and i took care of my husband who was very ill, until he passed away.
Take care of each other and adjust your life to whatever it will take to be there for each other and love each other.
You are remarkable people and i'm so happy to be a part of your youtube family.
Many greetings from your friend from idaho on this cold day. Stay warm! The
I started at 62.
My job ended, so I was done, and ready to stay home.❤️❤️❤️
I read some of the comments on your last post, and I was shocked at how a few people were basically demanding Ken do this or that. We all appreciate you and Ken telling his story, and hopefully, the negative Nellie's will hush up. 😊
@@shanalong1508 i saw the comments too, and was appalled. The way people think it is okay to harden people's lives by adding their judgment to the load. When he is not working, there will be a reason for that. Sort your own life out, people!
Yes❤! Take it now! I did, and im very happy
I waited until I was full retirement, 66 2 months. I was still working and did not have to take it early. Taking it at 62 costs you about a 40% reduction. I think no one can tell you what works for you. If you can wait, do that if you need the money, then perhaps you should look into taking it at 62. I have collected SS for just over 3 years and have never used it. I invest mine. I still work (self-employed) and everything is paid off. What worked for me may not for others. One thing to consider. Once you file you cannot change that. If your (wife) SS is less, then your husbands and he passes before you, you only get the amount up to what he collected. Just get educated in this area before you collect. Good Luck! ~hippie Chick~
That happen to my sister - in- law she was driving the weather was beginning to melt the sun was shining the road was wet she driving on crew control she came to rail road track it dip down in the shade the road was still icy she did not see it coming as she approached the railroad tracks the Lord told her to turn off the crews control which she did she said I know it was God’s voice because I’am not that smart yes get social security at 62 I did my husband did because get it which you can yes life is to short to wait 🙏🏻🙏🏻🙌🏻🙌🏻❤️❤️
I went into the Social Security office at age 65, to only sign up for Medicare.
The man that worked there, asked me why I hadn’t signed up for Social Security yet.
I said I was going to wait until 66 years and two months.
He brought out a piece of blank paper and did the math in front of me.
He TOLD me not to wait…his math demonstrated that you will never make up that money by waiting
YES! Draw at 62. None of us know how long we will live. It takes too long to recover if you wait. Enjoy life now.
Kenny, I did take Social Security at age 62 and I would highly recommend that you do! My thinking is that we don't know how much longer we have in life, especially with physical problems, so, in my opinion, it just makes sense to take it now and enjoy the extra security that comes with it! I don't regret taking it at 62, it has been a tremendous blessing to me! I'll be 66 in a few months and I truly don't know where I would be right now if I hadn't taken it when I did.
I recommend drawing SS at 62. It is better not to wait. I and my husband started drawing our SS at 62.
Thanks! For your channel Tessie
Thank you so much !!
My husband took his at 62 and we have no regrets. I wish you both the best.
I was able to draw social security at age 60 (I'm 63 now) as survivor benefits, because my husband passed away 13 years ago. It was the best decision I ever made, because the stressful job I had was killing me.
I say to everyone to take it as soon as you can, because someday it won't be there.
My husband is 5 years older than me. He waited to collect social security til he was in his late 60's. He was working maintenance at a hotel and downtown was getting rough and I was afraid he would get hurt walking to his car. There were shootings and lots of things happening-not a good situation. I retired at 62 and started collecting social security at 63. It was a good thing for us because my granddaughter moved in with her daughter. Since she was finishing her last semester of college and working we took care of our great granddaughter while she was at work or school. Money was really tight but we made due. Once she moved into an apartment the pandemic hit and I was grateful we could stay at home. Money isn't so tight anymore but we live simply. We also saved for our retirement when we were young and those investments paid off (no matter how much we struggled before retirement we never touched our 401k).
I understand totally what you are saying. I took my SS at 62 because I figured out by numbers that I would never make up the difference between 62 and 70!! So please take it. It worked out too so I could care for my husband who had dementia and he could stay home. God will always provide for us!
And it was nice to "meet" you Ken!!!
My husband and I waited until 66 to collect. I’m so glad we waited. The difference is quite a bit more money per month. I also will receive his full benefits if he passes away before me. I’m 6 years younger so it its security for me and will make life easier as a widow. Everyone needs to decide what is best for their situation. We both were in good health in our sixties, so working until 66 wasn’t a problem. Fast forward we’ve been retired 10 years, the basics such as food and utilities cost a lot more, so I’ll glad for the higher income. We have cut back too.
You did not make any more money by waiting!! Figure up the amount you lost in those four years. (Plus, four less years of your life to collect.) However, if you were healthy, and still WANTED to work, that may be a different story.
Oh my goodness. I've lost 3 kin and 2 friends from hitting a tree in a car all gone. It's a very serious accident. Deadly most of the time. I took my social security at 62. Life is short. I want to spend time with my grandkids and my garden, simple living. It's a great choice. 👍
I started collecting at 62, I was caring for my son before he passed and unable to work…he was my priority. My husband waited till retirement age…collects and continues to work…he is a workaholic…always has been. He will be 70 this May, but had a heart attack in September and I hope he cuts back .
My husband and I both started collecting SS @ 62 and have NEVER regretted that decision.
Same here!
Yes, my hubby and I both got ours at 62. Life is too short to wait.😊😊😊❤
Hi, I started collecting SS two years ago .To make a long story short I was diagnosed with breast cancer found on my annual mammogram. My Social Security income has been a life saver for my husband and I. Life is too short to wait any longer. My surgery and treatments were successful. Enjoying your videos Tessie ❤
I turned 62 during COVID. Since I didn’t know what the future held I decided to go for it. It was the best decision ever. I still substitute teach a little bit but that’s it. It certainly has made my life more comfortable..
I began collecting at 62, and it was a lifesaver for me personally. I admire your choices and have adapted very much the same for myself, living simply and at peace! 😊 God bless you and your husband. I am sure you will make the right decision for you!
You know what?! He might be better off applying for SS Disability now with his Ortho doctors help.... Because... The income may be more and it's has other benefits... Please investigate this! From a nurse.... Good luck!
Also, if you get an attorney it is much easier and faster.
My husband took his at 65 but only after retirement. He was 5 yrs older and our financial advisor told me start your social security. I didn’t think I was eligible because I was running a at home daycare. We each banked our SS and we used only my earned taxed income until I retired.
He passed 10 yrs after I retired but was with me everyday the Best friend in my life. God was good
You are very wise and sweet lady. You are doing the right thing enjoy live when you both can. 😊❤
So sorry to hear..
Glad he and his friend and fathet are well
Prayers hugs
Always be yourself
Do not change for anyone
Love your videos
My husband started at 62, and I still work. The best thing we did.
Praying for you and Ken! ❤🙏🏻❤️
Love you, Tessie! 🤎🤎🤎
I have 4 metal plates and screws in my skull from brain tumor surgery. This has been since 8 years ago. My Husband is 62 also. That would be extremely helpful to have social security now. He is a full time caregiver to me, our daughter, and our son.
Yes to 62! My husband did as I wanted him home with me too, until death do us part!
I started collecting ss at 60 from my late husband. I lived 3 years after his passing with zero income and lived off our homestead as well as what we prepped for. I downsized 80% or more and moved 7 months ago. Living in a 10'x12' shed, off grid and doing okay. Retire, enjoy life and make memories as life is short.
That is some serious downsizing
I was forced out of my job at age 60. I tried a couple of different jobs, but finally came to terms with the fact that I was burnt out and tired (40 years as a nurse). I also had chronic back problems and bone-on-bone arthritis in both knees. I decided to be done. Fortunately, I had saved well, and was able to stay afloat until I could apply for SS at 61 1/2, to begin drawing at 62. I also had 2 pensions but was unable to draw from them until 62 as well. I consulted a certified financial advisor who walked me through the entire process, showed me how to invest wisely for the long term benefit. But his best piece of advice was to start drawing SS at 62. Showing me the breakdown, there was very minimal difference between the amount I would collect monthly at 62 vs. 64- like less than $100/month. Best decision I’ve ever made.
Retired Nurse here too. I had 2 coworkers that insisted they were going to wait until they were 65 to collect SS. They never lived long enough to collect. One died of Cancer and the other had a Heart Attack by the time they were 62.
Lesson learned. I retired at age 62.
Kenny, I have a couple months on you. I will be 62 March of 2027. My husband has 3 years, and he is planning on taking SS at 62. He also has some screws and titanium in him from an old injury/surgery. I believe if you are a blue-collar worker, it is not always that easy or simple to keep working past a certain age in the same capacity. Do what is best for your family. Watch Paul and Emmie from Frugal Money Saver. They put up a video last week on why he is deciding to take SS at 62.
I'm on SSDI I am 63 years old. I've been on it since 2012. He should try to get disability for himself.❤❤❤❤
Collect it at 62. No regrets!
Oh my....thank you for sharing Kenny. I can relate with Kenny, I don't like to be on camera or have pictures taken of me. I love your shirt Tessie!
Thank you Kenny for sharing
I think you and your husband are very wise. And yes, I wish my husband and I had taken SS at 62. My husband insisted on working to the bitter end he had health issues and passed away without being able to enjoy very many years retired. During that time we also divorced. If we had retired early and lived a simple life, we always wanted to homestead I think things would have been different. Don’t make your husband uncomfortable by being on camera, I enjoy hearing you talk about your daily life.
❤❤❤❤🙏on❤❤❤❤
I was disabled by strokes at age 58. Then my husband passed when our son was 9. I got SS at 62. It wasn't even close enough to keep a roof over our head.😢
I would suggest you find out what his benefits will be then. Also the amount it would be if you both can wait . ❤❤ Your in my prayers. Ask God. He will tell your heart what to do ❤❤
Hello Tessie I’m not 62 (yet ) lol the amount of money if you wait until age 65 is not much of a difference. I would say if you can afford the little less amount go ahead take it at 62. Enjoy your life while you have it thank you for your channel
That is a decision that is totally up to the two of you. If y'all are happy and able to work it out, no one else needs to worry about it. Good for you Tessie. God bless. 💗🌷
Yesssss 62 I did it. Don’t regret it. Got really sick at 67 now 70. Health first ! Good luck 🫶🏼
I'll turn 62 next year. I'm fortunate enough to have retired with a pension. So, ya darn tootin' I'm collecting at 62.
I completely understand. At age 33, I suffered a severe back injury at work that ended my nursing career. I couldn't ever work outside the home again. I began drawing SSD approximately 6 years later. Now I'm pretty much homebound and need an electric w/c to get around. I can't stand in one place for any length of time and have great difficulty walking a very short distance. It's a huge blessing to have a loyal, faithful and supportive husband which I do. I'm 70 now, my husband is 77 and I don't know what I would have done without him all of these years. I wish you both every success in all you do. ❤
I started drawing my Social Security at 62. I’m so thankful for it
Thank you for sharing this video. Bless your husband's heart, and bless yours too, Tessie. What you said touched my heart to the core. What a beautiful heart you have, having that protective love. That's amazing. Brought tears to my eyes. That's the kind of love that runs deep.
So many are taking it at 62 .the social security representative, helped my husband he got disability at 64 . Was a blessing.
My mama, father-in-law, husband, and I started taking SS at age 62. Taking SS early has been a blessing to all of us. We had no mortgages or debt and are living well.
Yes, My husband and my self, both applied for Social Security at 62. Its been well worth it.
I feel the same way Tessie. I tried to get my Husband to retire before he did. He now says he wishes he had done it. We get by. He has good retirement and now we both draw SS. He is older than me, Im 64 I started drawing at 62, he was still working so he started drawing at 66. If you are not working its smart to start drawing at 62. It would take many years to make up the difference if you wait. And my poor Mother was going to wait till she could draw the maximum and passed away at 63, so she never saw a penny of SS. Take care Tessie. ❤
I took mine, and so did my husband. I have had too many friends not take it, or not alive to take it. Take it!!!!!!
yes I did & so did My husband Do it
Tessie thank you for sharing something so personal and it really is nobody's business about your private life
My husband made the decision to retire at 62. His job was very physically demanding and I am very glad he made that decision. We have to take care of ourselves, and thank the Lord for America, where ❤we can retire early
I had a car accident years ago. I was 51 years old. I have a metal rod in my upper left leg and one in my lower left leg and a metal plate on my left ankle. I retired from teaching at 60. In Canada we can’t get old age security until 65. Have a great evening everyone!
Hi There Julie 😊,
I Am So Sorry That You Have Gone Through So Much My Friend!
You Did So Well To Carry On Teaching Until You Were 60,
May GOD Bless You Julie,
Andrea
@@pr9764 Thank you. I am doing fine, it could have been a lot worse. God was with me.
@@juliewebber2749 I PRAISE GOD That HE Was With You Julie,
HE Wanted You To Live My Friend!
GOD Bless, Andrea
Tessie, Tell Kenny I started SS at 62 and have never regretted it, now I am 70 with osteoparosis and it limits my movements drastically. Enjoy it as soon as he can. Yes it is more if you wait, but totally not worth waiting. Love you Tessie
Me and my husband retired at 62 and never regretted it. Life is short and we want to enjoy our golden years.
I started at 60 after my husband passed away. My financial planner advised me to ,l could have waited until l was 65 and get grand total of $35 more a month,l would have never recouped the five years of not taking it. Also please get your husband to go on disability right now! It is NOT free money from the government! He paid into it all the years he did work! He deserves it! Prayers for your discernment.
Amen, get started. I agree.
I started collecting my Social Security at 62. No regrets!
Where he isn't working it would not be a benefit for him to wait any later than 62 because he isn't building it. So I would say that 62 is a good age.
I believe that if you have health concerns that makes it difficult to work, then yes, retire at 62. However, 62 is still pretty young by today’s standards, so if a person is healthy and fit, I think you should continue to work and save.
We plan on collecting at 62. We believe that while we will be collecting less per year but feel we collect more overall.
I chose to collect Social Security at 63. I did a rough calculation of the difference between taking it at 62 and waiting until almost 67 for "full" benefits using a life expectancy of 85. The little bit more I would make by waiting was not enough to sway me to do so, especially with the stress level that was increasing at my workplace. I agree with you that life is short and I had several friends and a sister that passed away from illness at a young age and I wanted to be sure I had time to enjoy life because who knows when our last day will be. Being debt free has made it easier to live on a modest retirement income and I'm glad I chose to take the earlier retirement. Plus they keep talking about there are going to be cuts to SS in the next few years and I figured I should get what I can from the program that I paid into for so many years. Thank you for sharing the story about Kenny. I never thought about anyone saying something negative about him from your last video, but I also remember when he had that fall and how hard it was getting to keep doing a physical job with each passing year. I try to watch as many of the ads as I can on your videos to help you out with TH-cam. Enjoy your life together and do what works best for the two of you!!
I personally started SS at 62. It could be debated either way but… there you go! It enabled me to start homesteading.
My dad told me to get it at 62 so you can use it as long as you can. I haven't regretted it. 66 now, still don't regret it!
I’ve been a widow for 12 years. In 2.5 more years, I can collect SS at the age of 60. I remain a widow, and we were married over 10 years . I wasn’t aware of this until 2 years ago. Not everyone knows about having the option to collect at 60 as a widow or widower.
HI Tessie...I've been collecting SSI for 10 years since I was 62. I sat and figured out the difference between what I would make if I waited to 65 and what I'd make at 62 and I felt it was far better to take it at 62. Like you said, life is short. Your life will be easier and I don't think you'll ever regret it. God Bless!
Wow I didn’t know that happened Kenny, thanks for sharing your story.
With your husband’s situation, I’d collect at 62. I started collecting at 62 and glad I did.
Herein is the issue. We do not know their financial situation. Do they have $500K in the bank? Was he the overall high wage earner? Have they shared this info? This is imported pieces to the puzzle.
I did not start SS till 67.5. The reason being, my husband has many medical conditions. One was losing his kidney to cancer and a botched lamentation. Then, in the only kidney he had left, he has a kidney stone. During surgery, I was told they would do everything to save his life. That kidney got damaged and his last kidney has only partial use. At the time, I worked at the hospital just to keep up all our medical for him. We all do what is best for our spouses. He is in constant pain, but he never complains.
When my husband was sixty two he took his social security and was very glad he did. At sixty two I took my social security.
I wish the best for both of you!
Hi Tessie n Ken, you need to go to take a well worth drive to a ss office and they can tell rather quickly the amount of money hubby would be entitled to at 62 or 63 and you can decide from there, I’m guessing waiting till retirement age is probs beneficial. Enjoy 🌻
Hi Tessie, that was very courageous to share that about your husband, he is very courageous to allow you to share that. I am a person who had a work accident in 2016 and I have been disabled with chronic issues ever since. I am 58 years old now and I am on SSDI. They don’t give you very much but it’s helps. if I were to be asked a year ago about taking retirement early, I would’ve said no. But I’ve been following several reliable channels about Social Security and disability. They are saying that the money might run out early, they’re saying there may also be some major cuts in the next 10 years. If I were in your husband situation, I would not wait. Many people are applying for that service and I would be concerned about getting less later. Those are my thoughts on that.
The entire situation would be resolved if they just lifted the cap. Is it that much of a hardship for a person making between 2-3 hundred thousand a year to pay ss taxes on 275 as opposed to 250?? With all the multi milionaires and billionaires out there it would be an easy fix. But this country has become based on greed.
I wish the best for both of you and thank you and your husband for sharing this with us and I am so sorry that happened to him I totally understand you wanting to have your husband home with you I understand totally about having chronic pain. Thank again for sharing this with take care and have a wonderful and blessed day love you guys ❤️❤️❤️❤️
Thanks to Ken for sharing. He didn't have to but it clears up things that seem to matter to a few people. I have chronic pain in my foot. I broke my ankles and three other bones in my left foot. I, had plates and screws in both ankles on that foot. I was fifty and am now 77. I should have had the plates and all removed but after a long recovery from a major surgery most people don't want anther surgery to recover from. I now have a screw wandering around my foot. Yes, I have pain. I also have fibromyalgia and chronic pain and fatigue.
I took my social security at 62. I figured it out and if I had waited one more year it would have added $3.00 more a month than if I took it at 62. I suggest Ken put in for it now. It will be a blessing for you both. Plus he will feel that he is contributing to your over all income. I know he contributes a lot already by all the work he does on your homestead.
I'm happy you are not going to be working so hard. Enjoy your life and keep inspiring all of us. You seem so relaxed and that reflects in your beauty. 💕🙏🙏
I understand about your hubbys health issues. He sounds like he's in good spirits and good hands.
I have titanium fused to my spine so I can relate to aches, especially in cold Canada.
Here in Canada, people can start collecting pensions at 50 plus. However, the most benefit would be 67.
I must say, your bangs make you look younger👩
I agree. So attractive
Like so many here, I, too, started taking SS at 62. So worth it!
Wow that was a bad accident. I lived in Dayton Ohio and the first year I was there I slid across a sheet of ice that I didn’t see at the bottom of a hill. Slid right under a truck. Was really lucky that I stopped at the windshield. Glad he was ok for all these years. 😊
We both collected at 62. Best decision ever. My husband died unexpectedly at age 69. I'm doing fine living a simple life in our home receiving only social security. Once 65 the Medicare insurance kicks in. Great insurance. Good luck and God Bless you both.
Great video! I retired at 62 due to work, health, and personal issues. Nothing wrong with retiring at 62.
My husband and I both chose to get our SS at 62, and it has been the best decision for us. It is a lesser amount than if we waited, but as none of us are promised tomorrow, we knew this was best for us and we have downsized our spending and enjoy a very well stocked pantry, akin to what you have, and we have so much peace since we did this. 🙏🏻
My brother in law lost his college job in 2020 due to covid, he was fortunate enough to have a severance pay, which helped carry him and my sister in law through to this year, which he will be collecting SS at 62. My husband and I were fortunate enough to wait until 65. I know about chronic orthopedic issues. Prayers for your husband. 🙏
Thanks Tessie
I am turning 55 in July. I applied for disability because I have a spinal cord injury and have a spinal cord stimulator with 4 leads in my spine. I have Fibromyalgia, Hypothyroidism, cervical fusion, TMJ, blushing disc, spurs on my spine and feet, chronic pain syndrome, nerve damage, Arachnoiditis,fatty liver, stage 2 kidney disease, gerd, going through menopause. I’m sure I’m missing something. It’s been over a year I applied so I guess I’ll need to get an attorney. I have good days and bad days. I still work part time as much as I can. It’s hard. I have amazing bosses who allow me to work when I wan or work from home if needed. I am not a candidate for spine surgery because I would have chance of being paralyzed. I do everything I possibly can to save a penny so I appreciate the creators I follow that have helped me get by. Medical bills killed us.
Tessie you are the sweetest ever. I am sure your husband knows he is very lucky. Blessing to you both. I will be 62 in June and YES I am going to retire and collect social securty. I am going to make it work. Your so right life is too short. Take care. 💐💐💐
My dad broke his femur and needed this type of repair. He favored his leg and would put the pressure on the hip. He ended up breaking his hip because of the stress he put on it. God bless, take are care and stay well.
Thanks for a nice video Tessie