Key Points The more you get out of Social Security, the more financially stable your retirement might be. Work on boosting your income and delay your claim for larger monthly checks. Undo an early filing to set yourself up with more money for life. The $23,760 Social Security bonus most retirees completely overlook › Ideally, you'll be coming into retirement with some money you've saved on your own. But here's the scary thing. Even if you manage your retirement savings wisely and are careful wi ...

退休储蓄的重要性 - 充足的退休储蓄是获得财务自由的关键，需补充社会保障福利的不足 [1] - 社会保障仅能替代平均收入者约40%的退休前工资，对高收入者替代率更低 [1] - 由于社会保障计划面临资金短缺，未来福利削减的可能性增加了自主储蓄的紧迫性 [2] 4%规则概述 - 4%规则是一种流行的退休金提取策略，即在退休第一年提取投资组合总额的4% [3] - 后续年份的提取金额需根据通货膨胀情况进行调整 [3] - 该策略旨在让储蓄维持30年，但可能不适用于所有退休人员 [4] 4%规则的适用性考量 - 该规则适用于60多岁退休且需要30年收入的人员，但对提前退休者可能风险较高 [4] - 计划工作至70多岁的人员可能无需储蓄维持30年，可采用更激进的提取率 [5] - 规则假设退休期间支出稳定，但与计划早期大量旅行等可变支出模式可能不匹配 [8] 退休支出模式 - 退休初期的支出可能较高（如旅行），需要更大的资金提取额度 [8] - 4%规则的通货膨胀调整机制可能无法灵活适应支出波动 [8]