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Bridging the Income Gap

I plan on living at least until 90. That’s not chutzpah talking; it’s heredity. My grandmother lived to age 95, and my mom is going strong at 89. (The average life expectancy for women who make it to 65 is 86; for men, it’s 84.) Since I may have to stretch my retirement savings over 25 years or more, I’ll try to wait past 66, my full retirement age, to claim Social Security benefits. For each year I wait, my benefit will grow by 8% until age 70, when it maxes out at 132% of the amount I’m due at age 66. With the extra income..Read More

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