Key Points Social Security allows a lower-earning spouse to claim benefits on a higher-earning spouse's work record. Spousal benefits are still available after a marriage lasting at least 10 years. If you're divorced, you have an advantage when it comes to claiming because you don't have to wait for your spouse to claim first. The $23,760 Social Security bonus most retirees completely overlook › Most people think of retirement benefits when they hear the words Social Security. And, of course, S ...

SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. From one perspective, by age 67 your retirement budget is largely set in stone. The accumulation phase of your working life is over, and whatever set of savings and benefits that you have is… well, what you have. Looking at things that way, when it's time to set your budget the next thing to do is run the numbers and see what kind of retirement your savings will bear. Now, it isn't always as tidy as th ...

SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. With $1 million in a 401(k) and no mortgage on a $500,000 home, retirement at 60 may, in fact, be possible. However, retiring before eligibility for Social Security and Medicare mean relying more on savings. So deciding to retire at 60 calls for careful planning around healthcare, taxes and more. At any age, deciding whether you can retire comes down to weighing your assets against your expenses. Do you ...

According to research from Ameriprise Financial, only 11% of couples retire at the same time. Overwhelmingly, couples opt to stagger their retirements by at least a year despite some reports suggesting that couples should avoid retiring at different times because of the potential for overspending. Be Aware: 4 Retirement Expenses Boomers Didn’t Plan for — but Should Have Try This: 6 Big Shakeups Coming to Social Security in 2025 Studies show that the first year of retirement, in particular, can be challeng ...

Key Points Retiring early can result in a reduced Social Security claim. Most people know that early filing penalties reduce the amount they receive. Your Social Security benefits could also be smaller for another unexpected reason if you claim benefits early. The $23,760 Social Security bonus most retirees completely overlook › Retiring early is a dream for many, but there are some definite financial consequences. Not only do you need to start relying on your savings sooner and have fewer year ...

社会保障福利上限 - 2025年社会保障最高月度福利为5,108美元 预计2026年将增至约5,245.97美元[1] - 福利金额基于35年最高收入平均值计算 且受工资基数限制（2025年为176,100美元）[4] - 2026年工资基数限制预计升至183,600美元 主要受通货膨胀影响[5] 获取最高福利的条件 - 需连续35年收入达到或超过工资基数限制标准[5] - 必须延迟申领福利至70岁 以获取全额延迟退休积分[6][7] - 标准福利通过延迟退休积分机制提升 该积分累计至70岁截止[8] 核心执行要素 - 实现最高福利需满足高收入要求（2026年约183,600美元/年）[3][5] - 必须制定延迟申领计划 从62岁资格起始点延迟8年申领[6][7] - 延迟申领与收入达标双重条件共同决定最终福利额度[7][8]