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The Financial Benefits and Drawbacks of Working During Retirement, Ep #224
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内容由Financial Symmetry, Chad Smith, and Mike Eklund提供。所有播客内容（包括剧集、图形和播客描述）均由 Financial Symmetry, Chad Smith, and Mike Eklund 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品，您可以按照此处概述的流程进行操作https://zh.player.fm/legal。
Retirement planning is a delicate process, and you need to carefully consider your various income streams, including Social Security benefits. For those of us who plan to continue working while claiming Social Security, it’s important to understand how this decision can impact the monthly benefits you receive.
In this episode, we’re sharing how to avoid financial shocks in retirement. We discuss the essentials of earned income, the reduction in benefits due to excess earnings, and specific scenarios such as spousal and ex-spouse benefits.
Outline of This Episode- [1:08] Social Security benefits may be impacted if you work while claiming
- [04:27] How retirement financial planning strategies vary by individual circumstances
- [07:17] Earnings affect Social Security benefits before retirement
- [11:51] Your spouse's income doesn't affect your Social Security
- [15:18] SSA withholds payments until excess income is accounted for
- [18:44] Social Security timing advice
- [20:04] Seek financial advisor help to make an educated decision about retirement
- How Is My Social Security Benefit Calculated? - Financial Symmetry, Inc.
- SSA - Social Security in retirement
- The Retirement Podcast Network
- https://www.financialsymmetry.com/podcast-archive/
- Connect on Twitter @csmithraleigh @TeamFSINC
- Follow Financial Symmetry on Facebook
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