"I hope to live off of the combination of Social Security and the TIPS ladder.†...

The balance here is that the longer you wait to take Social Security, the more you will likely have to draw on your IRA to replace that income. This will reduce your overall principal. However, in trade, the longer you wait the higher your lifetime benefits will be. For comparison, let's assume a retirement until age 95 (33 years). Here is how much money you would withdraw from your IRA to generate an $80,000 annual income, based on taking benefits at age 62, 67 and 70. (Don't worry that this is a lot more ...

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美国民众退休财务状况 - 近三分之一（30%）的美国人对覆盖退休后的日常开支缺乏信心 [1] - 63%的美国人认为在65至70岁之间退休的梦想难以实现 [1] 退休规划方法论 - 专家建议通过回答三个核心问题来规划退休：期望退休年龄、预期寿命及年度所需资金 [4][8] - 若无明确答案，可假设退休年龄为65岁，退休生活为期30年 [4] 退休开支特征 - 退休后年度开支通常显著低于工作期间 [4] - 生活趋于简化，通勤、职业装束及房贷等多项开支可能不再存在 [5] 社会保障与储蓄目标 - 社会保障金可显著抵消退休储蓄需求，例如中位年薪62,000美元者年领取额约为28,000美元（月约2,300美元） [6] - 采用4%法则估算总储蓄目标，中位年薪者需约150万美元退休储蓄 [7]

退休储蓄的重要性 - 社会保障仅能替代平均收入者约40%的退休前工资，对于高收入者替代率更低 [1] - 拥有更多退休储蓄可提供更多选择并减少对社会保障的依赖，在当前福利可能削减的背景下尤为重要 [2] 4%取款规则概述 - 该规则建议在退休第一年提取储蓄余额的4%，并在后续年份根据通胀进行调整 [3] - 该策略旨在使退休储蓄持续30年，帮助退休人员避免在有生之年耗尽资金 [3] 4%取款规则的局限性 - 该规则假设退休期间的支出是线性的，但这可能与实际计划不符 [5] - 规则基于退休期为30年且投资组合为股债均衡混合的假设 [5] 退休实际支出模式 - 人们通常在退休早期支出更多，以充分利用健康和行动能力较好的年份 [7] - 例如在67岁进行梦想之旅（如瑞士阿尔卑斯山徒步）比在86岁更可行，因此早期旅行支出可能较高 [8]

Key Points Common retirement advice is to wait until age 70 to claim Social security to maximize your lifetime benefits. Optimizing lifetime Social Security benefits can't be the only goal in retirement planning. Claiming earlier may allow you to enjoy your retirement sooner and keep your budget manageable. The $23,760 Social Security bonus most retirees completely overlook › Standard retirement advice is to wait as long as possible before claiming Social Security retirement benefits. For every m ...

Key Points Working while collecting Social Security can affect your benefits if you aren't yet at full retirement age. The rules about this are changing in 2026. You can work more next year while still getting your Social Security benefits, although you still need to know the limits. The $23,760 Social Security bonus most retirees completely overlook › When you think of retiring, you probably imagine sailing off into the sunset, relaxing on the golf course or the beach, or puttering around your h ...

Retiring on $500,000 may sound unrealistic, but is it possible with careful planning? A half-million-dollar nest egg could provide steady income for decades if retirees use the right mix of withdrawal strategies, Social Security timing and cost-saving measures. Read More: Here’s How Much You Need To Retire With a $100K Lifestyle Find Out: 7 Tax Loopholes the Rich Use To Pay Less and Build More Wealth Christopher Stroup, a certified financial planner and founder and president of Silicon Beach Financial, sa ...

社会保障金调整 - 2026年社会保障金将根据生活成本调整（COLA）上调 预计调整幅度约为2.7% 高于2025年的2.5% [4][5] - 生活成本调整旨在帮助福利金跟上通货膨胀 调整基于CPI-W指数的变化 [4] 完全退休年龄变更 - 完全退休年龄（FRA）将发生变化 1960年或之后出生的人完全退休年龄为67岁 [6] - 对于在2026年或之后满66岁的人 需要等待更长时间才能领取全额福利 [7] - 在完全退休年龄之前申领福利将面临永久性月福利减少 延迟申领至70岁可获得延迟退休抵免 每月增加福利2/3 of 1% 相当于每年增加8% [7][8]

Anna Moneymaker/Getty Images Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. Being able to retire comfortably is a top concern for many older Americans. A recent AARP survey found that 61% of Americans aged 50+ are worried that they will not have enough savings when they retire. Social Security, a cornerstone of American retirement ideals, was a central election issue for voters in the recent election, when Donald Trump proclaimed, “Seniors should not p ...