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The Water Cooler
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Signing Up For Social Security
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<blockquote data-quote="THAT Gurl" data-source="post: 3943282" data-attributes="member: 45551"><p>I would say take it now. </p><p></p><p>That said, I don't think there is a right answer for everybody. </p><p></p><p>For example, if Grumpy had not convinced me to marry him, I would still have a house payment, along with my living expenses (utilities, groceries, insurance, etc.) so it wouldn't be feasible to retire outright. (If I made less than the threshold then it is possible I could have taken Social Security (and made quarterly payments to cover the extra cost in taxes) and maybe have come out a little ahead.) It would have depended on the job I had (likely would have still been at the state agency I was with when he and I met).</p><p></p><p>As it is for us now, it actually adds a sizeable amount of income to our bottom line -- with no increase in our tax bill (we didn't get bumped to the tax bracket) -- so it made sense for me to take early "retirement". </p><p></p><p>So it's a not so simple, simple question. <img class="smilie smilie--emoji" loading="lazy" alt="🤷" title="Person shrugging :person_shrugging:" src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f937.png" data-shortname=":person_shrugging:" /></p></blockquote><p></p>
[QUOTE="THAT Gurl, post: 3943282, member: 45551"] I would say take it now. That said, I don't think there is a right answer for everybody. For example, if Grumpy had not convinced me to marry him, I would still have a house payment, along with my living expenses (utilities, groceries, insurance, etc.) so it wouldn't be feasible to retire outright. (If I made less than the threshold then it is possible I could have taken Social Security (and made quarterly payments to cover the extra cost in taxes) and maybe have come out a little ahead.) It would have depended on the job I had (likely would have still been at the state agency I was with when he and I met). As it is for us now, it actually adds a sizeable amount of income to our bottom line -- with no increase in our tax bill (we didn't get bumped to the tax bracket) -- so it made sense for me to take early "retirement". So it's a not so simple, simple question. 🤷 [/QUOTE]
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