A closer look at a common retirement choice shows how timing, inflation, and longevity quietly reshape income for decades ...

You're allowed to sign up for Social Security at any point once you turn 62. You'll face a reduction in benefits for claiming before full retirement age. Permanently cutting your benefits could hurt ...

The law says if you start your Social Security checks before full retirement age, your benefit will be reduced five-ninths of 1% for each of the first 36 months of reduction and five-twelfths of 1% ...

Retiring early can result in a reduced Social Security claim. Most people know that early filing penalties reduce the amount they receive. Your Social Security benefits could also be smaller for ...

Social Security full retirement age 2026: Claiming Social Security early means permanently lower monthly payments. For those born in 1960 or later, full retirement age is now 67. This change in 2026 ...

I write a column similar to this one every January. But I don't mind plagiarizing myself because it contains a very important ...

Dear Rusty: I will be 65 this year and my husband is 72 (he retired in 2019 at age 66). I would like to retire and enjoy some time with him before he gets too much older. I do not want to have my ...

Nearly 70 million Americans depend on Social Security, yet even seasoned savers don’t always understand how it works. That can lead to costly mistakes — like claiming too early or overlooking spousal ...