Some jurisdictions require independent counsel for certain terms such as spousal-support waivers. Courts may not honor prenups in cases where one party to the agreement lacked a lawyer, had limited English proficiency or was presented with an agreement too close to the wedding, and the agreement must pass the state’s fairness and procedure tests when it is enforced.Enforceability of a prenup also depends on timing, required disclosures and the parties’ understanding of the terms.During a marriage, income ma ...

Key Points You can increase your monthly check by delaying when you claim benefits. However, delaying isn't possible for some people for financial reasons. Those claiming spousal benefits are not eligible for delayed retirement credits. The $23,760 Social Security bonus most retirees completely overlook › Many older Americans depend heavily on Social Security to help them have a financially comfortable retirement. While Social Security alone cannot support retirees, it is still an important incom ...

‘Do we have to buy a house for equal value or can we buy a less expensive house?’ “We live on Long Island where taxes are extremely high and find the area to be more and more congested.” (Photo subjects are models.) - MarketWatch photo illustration/iStockphoto Dear Help Me Retire, My husband is 70 and I’m 68. He just began taking Social Security from which he gets $4,700 a month. I am going to wait until I’m 70 before I collect Social Security, at which time I’ll receive $3,000 a month. We have savings ...

Combining $31,200 in annual Social Security benefits with $32,000 in investment income gives you a pre-tax income of $63,200. If you’re single and live in a location with average living expenses, this may be enough to fund a comfortable retirement. According to the Census Bureau , the median real inflation-adjusted income for a householder age 65 or older in 2022 was $50,290, about $12,910 less than what you would have in our hypothetical scenario. However, a financial advisor can help you design a retireme ...

Key Points Making mistakes when claiming Social Security can affect your income. You should coordinate with your spouse before you claim benefits. It's also important to do your break-even calculation and understand factors affecting your benefits. The $23,760 Social Security bonus most retirees completely overlook › For many seniors, there is only one source of guaranteed lifetime income: Social Security benefits. Social Security is protected against inflation, and you will have these benefit ...

As you plan for your retirement, you’ve probably heard a common piece of advice: delay collecting Social Security for as long as possible. The logic is straightforward: if you wait until you turn 70 instead of claiming at 67 (your full retirement age) or 62 (the earliest age you’re eligible), you’ll maximize your benefit. Learn More: I Help People Retire Every Day — Here’s the Most Common Retirement Mistake People Make Find Out: 3 Advanced Investing Moves Experts Use to Minimize Taxes and Help Boost Return ...

退休年龄趋势 - 1991年社会保障完全退休年龄为65岁而平均退休年龄为57岁 目前完全退休年龄约为67岁而平均退休年龄为62岁[1] - 预期退休年龄67岁与实际退休年龄62岁之间存在差距 主要归因于健康问题、护理需求及裁员等因素[2] 退休决策影响因素 - 家庭经济支柱建议延迟至完全退休年龄或之后退休 可增加家属幸存者福利额度[5] - 健康问题人群倾向于提前申领福利 因预期寿命较短可通过早期申领实现福利最大化[6] - 当前美国平均退休年龄为62岁 完全退休年龄为67岁（1960年后出生人群） 延迟至70岁申领可获取最高月福利[8] 退休方案选择策略 - 提前退休（62岁）会减少月度福利金额 但适合需要即时收入支撑退休生活的人群[7] - 完全退休年龄（66-67岁）可获取全额福利 退休前需完全依赖储蓄覆盖支出[9] - 延迟退休（70岁）能获得基于工作历史的最高福利 适合储蓄起步晚、高成本生活区域居住或有遗产规划需求的人群[9]

通胀对长期购买力的影响 - 通胀侵蚀货币价值 2021年的100万美元到2045年需要214万美元才能维持相同购买力 假设年通胀率为3% [3] - 消费者直接感受到通胀对日常支出的压力 如购买杂货、加油和支付公用事业账单 [2] 股票投资策略 - 长期投资股票通常比债券更能抵御通胀 股票在历史上长期表现优于通胀 [4] - 投资组合需根据年龄和退休时间调整 年轻人可承受熊市风险 年长者应减少股票配置 [4][5] - 股票与债券配置比例建议 用100或110减去年龄得出股票投资比例 健康状况和家族寿命可作为调整因素 [5] 社会保障策略 - 社会保障信托基金资金不足 未来存在不确定性 但福利不太可能完全消失 [6][7] - 建议延迟领取社会保障福利 不应完全依赖该收入来源 [7]

社会保障规则核心内容 - 接近退休年龄的工人可能因不了解社会保障规则而面临财务冲击 尤其涉及工作期间领取福利的条款 [1][3] - 允许62岁起领取社会保障福利 但若未达到完全退休年龄(FRA)且继续工作 收入超过特定限额将导致福利减少 [3][4] - 完全退休年龄(FRA)设定为67岁(1960年或之后出生者) 达到后工作收入不再影响福利领取 [4] 收入限制具体条款 - 年度收入超过23,400美元时 每超出2美元将减少1美元福利(适用于全年未达到FRA者) [7] - 年度收入超过62,160美元时 每超出3美元将减少1美元福利(适用于当年内将达到FRA但尚未达到者) [7] - 该规则旨在防止同时获得高额工资和社会保障福利的双重获利行为 [4] 规则影响与调整机制 - 被扣减的福利将在达到完全退休年龄时重新计算 通过增加月度支付额补偿此前损失的福利 [5] - 规则可能打乱退休规划 特别是计划通过工作收入补充401(k)或支付日常开支的群体 [4][8] - 62岁首次符合资格时申领福利的倾向与继续工作的需求存在直接冲突 [6]

退休储蓄现状 - 55-64岁家庭退休储蓄中位数为18.5万美元 远低于平均53.7万美元[3] - 仅不到2%的家庭能达到200万美元储蓄水平 显示超高净值家庭占比较小[3] - 行政助理案例显示32万美元储蓄结合每月2200美元社保已高于全国中位数[2][4] 退休预期基准 - 多项调查显示美国人普遍认为需要120-150万美元才能舒适退休[5] - 实际社保平均支付额为1976美元/月 高收入者可获得更高金额[6] - 退休舒适度更取决于支出与收入流的匹配度 而非绝对储蓄金额[6] 资产配置策略 - 投资者可通过Arrived等平台参与零散房地产投资获得租金收入[9] - 重新平衡资产至分红股票、债券基金或指数基金可产生稳定现金流[10] - 50岁以上人群可享受401(k)额外7500美元和IRA额外1000美元追加供款额度[9] 收入补充方案 - 延迟领取社保可使每月金额增长约8% 从2200美元增至近2700美元[9] - 咨询兼职或零工工作每年可获得约1万美元额外收入 显著延长储蓄期限[10] - 缩减住房规模 再融资债务或调整保险等大额支出节省效果优于日常节俭[10] 专业咨询服务 - 财务顾问可进行通胀压力测试 医疗费用和市场波动分析[10] - 定期咨询可发现财务盲点 并根据生活变化调整财务规划[10]