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Money and Finances
Reply to "Social Security Family Benefits and Early Retirement Age"
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[quote=Anonymous][quote=Anonymous]if you have young kids and [SAHM] then I would wait and take the max at 70, giving no thought to break even. [/quote] [quote=Anonymous]The wife still has to reach retirement age to take the spousal benefit if OP is alive.[/quote] OP here. I'm appalled at the financial ignorance here. I paid the maximum for 35+ years and deserve to maximize my benefits. A wife gets extra money if she cares for dependent children under age 16, even if she is under 62, subject to a family maximum. The question is whether to take $4k/month plus $3k in family benefits at age 67, or take $5k/month starting at age 70. If I collect $7k/month for 3 years then I can save $250k+ by age 70. I can then invest that extra money for my wife and kids and earn more than the extra $1k per month. [/quote]
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