Working Past 65 Can Affect Your Social Security Benefits and Medicare Premiums

Why age 65? Why is that such a pervasive number when thinking about retirement? My assumption is that it first appeared in documented action in 1935. That’s when Congress  passed the Social Security Act, designed to pay workers age 65 or older a monthly stipend from amounts they would pay into the system. I suspect …

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The Secure Act is now law. Will it help your retirement?

I last wrote about the Secure Act back on July 18th of this year. The name is an acronym for Setting Every Community Up for Retirement Enhancement. As I mentioned then, someone stayed up late one night coming up with that to reflect the message of security. The idea behind any effort that allows people …

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New Risks We Face In Retirement

How much of life is dependent on luck? Personally, I consider myself very lucky. I’ve had good personal relationships, I’ve managed to live a productive life, my wife of 5 decades is still with me, our children are grown and have given us grandchildren. Life is good. Many of my days are spent sharing insights …

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Social Security: File Early of Later?

For millions of us, a monthly check for the rest of our lives has real meaning. We’ve paid into the system for years and for better or worse, we want our promised benefits. I have no idea if you consider yourself a “senior”. As I was passing through middle age, a “senior” was someone with …

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4 Critical Mistakes About Money in Retirement

OK, no one likes to make mistakes. As we journey through life, and make mistakes from time to time, we tend to learn from them and not make the same mistake again. At least that’s the plan. Retirement, however, presents us with challenges we’ve not had to face before, and sometimes, we realize too late …

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Climate Change and Retirement, Part II

Last May I published Part I where I talked about climate change and it’s implications for anyone with plans to retire in Florida or is already here. I was fortunate also to have it appear in our local newspaper, the Gainesville Sun. My main focus these days is marketing my online school, Successful Retirement Secrets. …

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Retirement Mistakes to Avoid, Part One

Millions of Americans are already retired. Many more millions expect to retire. And a great majority of them (of us) will experience financial pain in some form. Some of this pain can be avoided if you know about it and take steps to prevent it. There are two definitive ways to avoid this possible pain. …

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