Paper Chase: Maximizing Social Security

social security

When should you or your loved one take social security?

It was a very disappointing jobs report with only 142,000 jobs created. This was well below expectations of 200,000 jobs created. Previous months were also revised lower meaning this was not an isolated event.
The unemployment rate remained at 5.1%. Auto sales are at annual sales rate of 18.2% which is the best in a decade.

Social Security

I’m young and still have many more years to work. Why am I thinking about social security benefits? Well, deciding to collect the benefits early could cut my monthly check could be cut by 30%. Last year, 36% of men and 41% of women claimed benefits at 62, the earliest you can collect. You are only entitled to the entirety of your benefits if you wait to 66 or 67 depending upon when you were born. There is a huge upside to delayed gratification. If you can wait until age 70, you can increase your payment by 8% per year. This means your monthly payment could increase hundreds of dollars, and it could mean tens of thousands of dollars over the course of the life of your benefits.

social security

It pays to wait for social security.

If you’re married, the individual claiming must be age 62 or older, the spouse must be eligible for benefits and have already filed to receive those benefits. If you’re divorced, benefits can still be claimed if the individual has not remarried, if you were married for 10 years and divorced for at least 2, and finally if the former spouse is at least age 62.
The lifetime benefits from social security range from $230,000 to over $710,000 depending upon how much you earn and you marital status. I suggest visiting,, and Figure out your benefits now while you are working so you’ll know how much you should be saving and investing. That’s right. You should be doing both.
Disclaimer: Killing The Breeze is not a registered investment advisor or advisory service. It does not tell or suggest which securities or currencies should be bought or sold. The employees or affiliates of Killing The Breeze may hold positions in the stocks, currencies or industries discussed here. There is a very high degree of risk involved in the market. Killing The Breeze assumes no responsibility or liability for any trading or investment results. All content posted is for educational purposes only and independent advice should be sought from a professional to confirm validity and accuracy of any claim made.
The information should only be a starting point for doing additional independent research in order to allow you to form your own opinion regarding trading decisions. You should ask the firm with which you deal about the terms and conditions of the specific securities which you are trading and associated obligations. You should always check with your licensed financial advisor and tax advisor to determine the suitability of any investment.



Kwaisi France

An 80’s baby forged in the 90’s and unleashed upon the world in the 21st century, Kwaisi France is a Baltimore raised Brooklyn resident.

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