Dave Ramsey Says Take Social Security at Age 62, But Only If You Do This With Each Check (2024)

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e=r.searchBoxForm.querySelector("[name=fr]"),n=r.searchBoxForm.querySelector("[name=fr2]");e&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr&&(e.value=i.searchBox.params.fr,e.disabled=!1),n&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr2&&(n.value=i.searchBox.params.fr2,n.disabled=!1),r.searchBoxForm.submit()}}),1e3)},r.recognition.onspeechstart=function(){},r.recognition.onspeechend=function(){r.recognition.stop()},r.recognition.onerror=function(){r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_error")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play()},r.recognition.onaudiostart=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.add("listening")},r.recognition.onaudioend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("listening")},r.recognition.onsoundstart=function(){r.hideTrending(r),r.noSpeech=!1,r.speechButtonContainer&&(r.speechButtonContainer.classList.remove("listening"),r.speechButtonContainer.classList.add("speaking"))},r.recognition.onsoundend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("speaking")},r.recognition.onstart=function(){r.recognitionInit(r),r.startRecognition(r)},r.recognition.onend=function(){r.isRecognitionStart=!1,0==r.noSpeech&&""==r.speechResult&&(r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_nomatch")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play())},document&&document.dispatchEvent&&document.dispatchEvent(new Event("VOICE_JS_READY"))}}o.I18n=m,o.prototype.renderPermissionGuide=function(e){var n='\n

    \n

    \n

    \n

    \n

    \n

    \n

    \n

    '.concat(e.i18n.t("search.voice.permission_title"),'

    \n

    ').concat(e.i18n.t("search.voice.permission_text"),"

    \n

    \n

    \n

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    \n

    \n

    \n

    \n

    \n

    \n \n \n \n \n \n \n

    \n

    \n

    \n \n \n '.concat(e.i18n.t("search.voice.recognition_retry"),'\n

    \n

    \n

    \n

    \n

    \n

    \n ').concat(e.i18n.t("search.voice.trending_title"),'\n \n

    \n

    \n

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t,o,i,r=e.getConfig();if(n.ybar&&"desktop"===r.device&&(null===(t=r.bucketConfig)||void 0===t?void 0:t.highlight_searchassist)&&(null===(o=r.bucketConfig)||void 0===o?void 0:o.overlay_class)){n.ybar.setAttribute("data-ovrly-bkt",r.bucketConfig.overlay_class),null===(i=n.searchForm)||void 0===i||i.classList.add(Un[r.bucketConfig.overlay_class]);var a=document.createElement("div");a.classList.add(Un.overlay,Un[r.bucketConfig.overlay_class]),document.body.appendChild(a),e.onDestroy((function(){document.body.removeChild(a)})),e.addElementListener(n.searchForm,"focusout",(function(e){if(n.searchForm&&n.searchInput){var t=e.relatedTarget;t&&!n.searchForm.contains(t)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,n),zn(e,n),n.voiceSearchBtn&&function(e,n){var t=e.getConfig(),o=t.locale,i=function(){var e,t;(null===(t=null===(e=window.YAHOO)||void 0===e?void 0:e.Util)||void 0===t?void 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    Dave Ramsey Says Take Social Security at Age 62, But Only If You Do This With Each Check (2024)

    FAQs

    Does Dave Ramsey think you should take Social Security at 62? ›

    Financial Guru Dave Ramsey Advises: Take Social Security at 62, But This Essential Step Is Non-Negotiable For Each Payment.

    Does it make sense to take Social Security at 62? ›

    Taking Social Security early reduces your benefits, but you'll also receive monthly payments for a longer period of time. On the other hand, taking Social Security later results in fewer checks during your lifetime, but delaying means each check will be larger.

    Why do smart people take Social Security at 62? ›

    Simply put, the later you claim Social Security, the higher the monthly payment. Age 62 is the earliest you can claim benefits; “full retirement age” is when you're entitled to 100% of your monthly Social Security retirement benefits.

    What is the minimum Social Security benefit at 62? ›

    What is the minimum Social Security benefit at age 62? The youngest age at which you can begin claiming the minimum Social Security benefit is 62. In 2024, the special minimum Social Security benefit for retirees at age 62 will be around $2,710.00 per month.

    What does Suze Orman say about Social Security? ›

    Women in Particular Should Consider Delaying Benefits

    “A woman who makes it to age 65 in average health has a 50% probability of still being alive at age 88,” Orman wrote. “That's an argument for waiting if you expect to rely on Social Security for a lot of your retirement income.”

    What is the average Social Security check at age 62? ›

    According to the SSA's Office of the Actuary, retired-worker beneficiaries who were 62 years old in December 2023 received an average check of $1,298.26.

    What is the break even point if you take Social Security at 62? ›

    At around age 78 and 8 months, you reach the break-even point, when your cumulative benefits from claiming at 67 surpass those you'd get by taking retirement at 62.

    What is the smartest age to collect Social Security? ›

    You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits when you reach your full retirement age. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.

    At what age is Social Security no longer taxed? ›

    Social Security income can be taxable no matter how old you are. It all depends on whether your total combined income exceeds a certain level set for your filing status. You may have heard that Social Security income is not taxed after age 70; this is false.

    At what age do you get 100% of your Social Security? ›

    The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually if you were born from 1955 to 1960 until it reaches 67.

    Can two wives collect Social Security from one husband? ›

    Each survivor benefit can be up to 100% of your benefit. The amount may be reduced if the women start benefits before their own full retirement age, but they don't have to share — the amount isn't reduced because you've had more than one spouse.

    Can a person who has never worked collect Social Security? ›

    Although many of the programs base benefit amounts and eligibility to work history, there are some instances where a person who has never worked can collect benefits. One program that provides benefits to people, not based on their work history, is Supplemental Security Income (SSI).

    Can I draw Social Security at 62 and still work full time? ›

    You can get Social Security retirement or survivors benefits and work at the same time. However, there is a limit to how much you can earn and still receive full benefits. If you are younger than full retirement age and earn more than the yearly earnings limit, we may reduce your benefit amount.

    Is it worth drawing Social Security at 62? ›

    Waiting to claim your Social Security benefit will result in a higher benefit. For every year you delay your claim past your FRA, you get an 8% increase in your benefit. That could be at least a 24% higher monthly benefit if you delay claiming until age 70.

    How much should a 62 year old have saved for retirement? ›

    60s (Ages 60-65)
    Age$50,000 salary$200,000 salary
    62$460,000 - $530,000$2,455,000 - $2,820,000
    63$485,000 - $555,000$2,560,000 - $2,935,000
    64$505,000 - $580,000$2,665,000 - $3,050,000
    65$525,000 - $605,000$2,770,000 - $3,170,000
    3 more rows

    Does taking Social Security at 62 affect spousal benefit? ›

    A spouse can choose to retire as early as age 62, but doing so may result in a benefit as little as 32.5 percent of the worker's primary insurance amount. A spousal benefit is reduced 25/36 of one percent for each month before normal retirement age, up to 36 months.

    How much money can you make at 62 and still draw Social Security? ›

    If you will reach full retirement age in 2024, the limit on your earnings for the months before full retirement age is $59,520. Starting with the month you reach full retirement age, there is no limit on how much you can earn and still receive your benefits.

    What are the disadvantages of retiring at 62? ›

    Key Takeaways

    Cons of retiring early include a strain on savings, and a depressing effect on mental health. There may be ways to chart a middle course: cutting back on work without fully retiring.

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