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Why Social Security lowballs benefit estimates

wife that are 10 years apart and age — how do you build a solid Social Security strategy? Expert Larry Kotlikoff notes an often neglected fact in his very thorough response: The Social Security Administration’s benefit online calculators cannot be trusted for people under age 60. This is because these calculators automatically assume that the economy will experience zero economy-wide average real wage growth and zero inflation between now and the end of time. The calculators intentionally deliver low-ball benefit estimates to encourage people to save more — which may ultimately be helpful for a broad range of consumers, but is certainly not helpful when trying to calculate a more sophisticated, tailored Social Security withdrawal approach. Read more…


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