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I may needing to do something at this moment in time to PREPARE for my retirement…

Q) I just turned 65 in October of this year. I am currently working full time and I expect to be working well into 2019 at the least. I have health insurance through my wife as she is younger than I and still working as well. I am just trying to figure out if there is something I am supposed to be doing at this moment in time? I just don’t have any clue and I am afraid that I may needing to do something at this moment in time to PREPARE for my retirement, but I just don’t know WHAT I should be doing. Can you help me? Advice?

A) If you were born between 1943 and 1954, the full retirement age is 66. Social Security will give you a “bonus” if you delay the start of benefits; for people born after 1943, the amount you get is an extra 8 percent for every year you delay collecting Social Security up until age 70. When you start to collect Social Security impacts how much you get for the rest of your life. The longer you delay the start of your benefits, the more you will get monthly when you start. In the mean time it is best that you save and build a nest egg to help you when you start your retirement.

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  1. According to the Social Security Administration – You can continue working and start receiving your retirement benefits. … You can get Social Security retirement benefits and work at the same time before your full retirement age. However your benefits will be reduced if you earn more than the yearly earnings limits. After you reach your full retirement age, SSA will recalculate your benefit amount to give you credit for any months you did not receive a benefit because of your earnings. They will send you a letter that explains any increase in your benefit amount.

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