Most people think of Social Security as money that covers the bills and not much else. But if you’ve planned well and find yourself with a little breathing room after covering the essentials, your monthly check can do more than just keep the lights on. In 2026, retirees are dealing with higher interest rates, longer lifespans and more flexible retirement lifestyles than previous generations. For those who don’t need every dollar from their Social Security payments, there are some smart ways to put that ex ...

It would be great if Social Security covered all of your retirement expenses, but sadly, that's not the case -- and it's not a mistake. Social Security was never supposed to be your only source of retirement income. It was initially part of a "three-legged stool" that included personal savings and a pension. As pensions have become less common, workers have had to increasingly rely on personal savings. How much you need to save is a largely individual question, but understanding how far your Social Secur ...

近日,德州"2025回望记"系列主题新闻发布会第六场召开,介绍2025年度德州财政事业工作成效,并回答记 者提问。 2025年,市财政局紧紧围绕年初承诺的社会保障工作计划,扎实推进各项工作落地,顺利完成既定任务,全市 实现社会保障支出118.2亿元,用真金白银为群众撑起了民生"安全伞"。 一是社会保障体系不断完善,群众获得感更加充实。持续提高养老待遇标准,增发补发养老金2.93亿元,退 休职工养老金人均上调2%,居民基础养老金提高到每人每月208元；居民基本医疗保险财政补助标准再 增加30元,达到每人每年700元；落实困难群众救助保障标准动态调整机制,全市累计发放救助资金11.53 亿元,惠及困难群众21万余名；加快构建"一老一小"服务体系,向中度以上失能老年人发放养老服务消费 券2.49万张,发放消费补贴1021.5万元,推动"老有所养"向"老有颐养"转变。 二是重点群体实现充分就业,劳动者权益得到更强保障。加大失业保险稳岗返还力度,为2.2万个市场主体 发放稳岗返还资金1.2亿元,稳定就业岗位35万个,同比增加13.4%；全年发放扩岗补助889.95万元,助力企 业扩大就业岗位5933个,有效激励民营企业 ...

个人财务状况 - 个人拥有接近200万美元的退休金、投资和储蓄 [1] - 个人每月开支约为6000美元，其中包括房租 [1] 潜在职业风险与应对 - 个人所在公司正在进行重组，可能很快会有裁员 [1] - 个人对失业的可能性感到非常害怕 [1] - 建议如果失去工作，应寻找另一份工作 [3] - 研究表明50岁后找工作更加困难，一些招聘经理可能存在无意识的偏见 [7] - 50岁以上的求职者经常在简历中隐藏年龄以获得面试机会 [7] 提前退休的财务分析 - 若在50岁退休将面临一些严重的阻力 [3] - 假设200万美元投资于股票，在未来30-40年里每年提取4%的投资组合，每月可获得6667美元或每年80000美元 [5] - 这笔资金足以维持超过35年，但需为市场的一些低迷年份做好准备 [5] - 退休早期遭遇严重的市场回调会造成损害 [5] 社会保障与退休规划 - 个人完全退休年龄为67岁，届时可获得100%的基本福利 [6] - 最早可在62岁申领退休福利，但会永久性减少福利（最多30%） [6] - 若等到完全退休年龄之后申领，可赚取延迟抵扣额，每月福利增加直至70岁，每年增幅约为8% [6] - 建议将社会保障纳入中期退休计划 [6] 住房与开支建议 - 个人不拥有住房 [1] - 每月6000美元开支中房租部分是最大且最不可预测的挑战 [3][4] - 建议考虑购买房屋 [3]

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Quick Summary The average retired household in the U.S. brings in about $2,302 a month, but where you live makes a major difference. Some states average well above $3,000 a month, while others sit closer to $1,700, often leaving little margin beyond Social Security. If you're trying to figure out whether your retirement income will actually stretch where you live or plan to retire, it can help to walk th ...

If there's one thing you can count on in the context of Social Security, it's changes. Even though the program has been around for a really long time, Social Security's rules tend to change from one year to the next. And 2026 is no exception. Whether you're working or you're already retired and receiving monthly benefits, Social Security's 2026 changes could have an impact on you. Here are three new rules you need to know about. Where to invest $1,000 right now? Our analyst team just revealed what they be ...

Key Points Monthly benefits are adjusted based on when you claim relative to your full retirement age. More than half of retirees rely on Social Security for their primary income. You must be currently receiving benefits if your spouse wants to claim spousal benefits. The $23,760 Social Security bonus most retirees completely overlook › One of the bigger decisions you'll need to begin thinking about as you approach retirement is when you want to claim Social Security. It will permanently affect ...

I divorced at 60 after decades of marriage. The separation was amicable, and we split our retirement savings evenly, leaving me with about $600,000 from roughly $1.2 million saved. Let's say the numbers appeared workable at the time. Retirement was planned at 65, and it seemed possible to stay on a similar timeline on my own. We sold our home and separated our finances earlier than expected, which reshaped how my expenses were handled. The divorce pushed several financial decisions forward. Costs that h ...

Key Points The average Social Security benefit in 2026 is $2,071. You can do better by boosting your earnings and working at least 35 years. Delaying your claim until age 70 could also result in a much larger monthly payday. The $23,760 Social Security bonus most retirees completely overlook › Social Security is nothing short of a financial lifeline for millions of older Americans today. But unfortunately, there are a lot of retirees who are forced to live on Social Security alone. And that may b ...

This affects everyone, whether they know it or not.You want to get the largest Social Security benefit you can, but the benefit formula can seem confusing if you don't have a finance background. Fortunately, you don't need to understand it in order to make smart choices about your checks.There are only a few key things you need to know. First, the more you pay in Social Security benefit taxes throughout your career, the larger your future retirement benefit will likely be. Second, your full retirement age ( ...