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Reply to "Hope for retirement at 63?"
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[quote=Anonymous][quote=Anonymous]I disagree with the advice that your mother should start paying into social security now. While your dad is alive she can get 50 percent of his social security payment. If he dies first she will get his entire payment. If she hasn't paid in for her entire life and just starts paying in now, 50 percent of whatever he gets is likely to be more than she could get on her own. If you are happy to have them live with you, perhaps the best plan wen they can no longer work is to sell their real estate, invest the proceeds, and have them move in. Social security, Medicare, and whatever income they can from the proceeds of the sale of their property should be more than enough to cover their expenses if you are providing them with free housing.[/quote] +1 Paying SS doesn't make sense.[/quote]
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