조기 퇴직 및 사회 보장 고려 사항

### 조기 은퇴를 위한 사회 보장 탐색하기: 주요 인사이트 및 고려 사항
* 🧑 45세에 은퇴할 계획이라면 **20년 이상 소셜 시큐리티를 이용할 수 없으므로** 이것이 혜택에 어떤 영향을 미치는지 이해하는 것이 중요합니다.
* 📉 조기 퇴직자들이 흔히 오해하는 **45세에 일을 그만두고 65세까지 사회 보장 연금에 기여하지 않으면 사회 보장 혜택이 예상보다 훨씬 적**을 수 있습니다.
* 💰 사회 보장 혜택의 잠재적 감소를 보완하려면 **근무 기간 동안 더 많은 저축**을 고려해야 합니다.
* 🧐 조기 은퇴를 위해서는 **공격적인 저축 전략**과 미래의 재정적 가정에 대한 **보수적인 접근 방식**을 통해 노후에 예상치 못한 상황을 피해야 합니다.
* ⚠ 특히 30대의 경우 소셜 시큐리티의 재정적 안정성이 불확실하므로 **은퇴 소득의 주요 원천으로 소셜 시큐리티에 크게 의존하는 것**에 주의하세요.
* ⏳ 은퇴 연령이 가까워지는 경우 **62세에 소셜 시큐리티를 받으면 지급액이 줄어드는 경우**가 많으므로 일반적으로 **최소 정년 또는 70세까지 기다렸다가 혜택을 극대화**하는 것이 좋습니다.
* 📈 **70세까지 보험금 지급을 연기하면 연간 8%의 인상률**을 얻을 수 있어 제도에 대한 확실한 투자 수익을 얻을 수 있지만, 개인 사정에 따라 이 결정을 내려야 합니다.
* 💡 궁극적으로 사회 보장에 과도하게 의존하지 않고 **저축을 쌓고 은퇴를 준비하는 데 집중**하여 안전한 재정적 미래를 보장하세요.

조기 은퇴자는 소셜 시큐리티에 의존하면 혜택이 부족할 수 있으므로 적극적으로 저축해야 합니다.

[Music] This is Massami Trains is the username. It says, How should I deal with Social Security in early retirement? I'm planning on retiring at 45, so I won't have Social Security for over 20 years. Can my number be lower knowing that I have Social Security coming? When is May going to retire at 45? He didn't say his age, so if you would like to share that, that would be helpful information, but that's pretty early. Well, let me tell you a com, Brian. I'm gonna, here's what I say, think. I want you to answer all like, when can I draw Social Security and what happens when I do that and all that. Here's just a common fallacy that a lot of our early retirees have, and I actually had to go over this with a client in their retirement meeting yesterday. When you go look at your Social Security statement, you go to ssa.gov and you pull that down. One of the things it'll give you is like what your estimated benefit is going to

be and the way they calculate that is based on your earnings record that you've earned up until that point, and they make some assumptions of what you will continue to earn until you retire. Well, if you want to have an accurate number around what your social security benefit is going to be, and you're someone who is retiring early, you have to go a step further. You have to actually calculate what happens if I check out of the workforce at age 45, and I do not pay into the system between age 45 and 65. And what you're going to figure out is that your benefit is going to be likely substantially less than what the estimated benefit was on your social security statement. So, you have to notice that. So, I would argue, uh, M mamini mamimi mamini just going mass mass. Uh, one of the things that you have to think through is if I am retiring early, and I'm not going to be paying into the social security system, my social security is social security is going to

be less so I need to save even more. I need to be even more prepared for that. Uh, that's just a caveat that we see a lot of people miss. I think it'd be interesting to talk about some of the options around social. I want to talk about mindset stuff too, is 'cause Mass here is retiring at 45, is a very aggressive goal. So, that's going to require you making some life decisions where you're going to be saving a ton of your, a large, large percentage of your take-home pay. And then, I need you to have your assumptions for what the next chapter of your life, your next endeavor of life, is going to look like. It needs to be as conservative as possible so that you don't, you know, get to be 47 years old and realize, Oh my gosh, I have, there's so many things I just didn't, was not aware of, or for 52 years of age, whatever year in the future after you've made that threshold of walking away from your high income. Um, Social Security. I

Don't mind sharing with you. I'm somewhat biased on it, having a father that passed away in his early 50s. I got ticked off when I saw how survivors are treated with Social Security, and then when you research how the funding of Social Security is handled by our government. Any young person, you need to be very skeptical that you can assume that this thing is going to pay large sums of money to you. Now hopeful you get old enough, and you get that key demographic that all politicians love, which is older people that vote consistently, and they're going to cater to you. But young people, be careful of Social Security because it's just not on the most able financial situation. So, I would, so in that vein, if you're 33 years old, that qualifies on the younger end of the spectrum. I would be careful counting on Social Security to be a huge part of my retirement income. Now, if his question is, am I taking this at 62, am I taking this

at 67, am I waiting until I'm, you know, 70 and be, you know, 70 and beyond to maximize this? You're way getting in the details on something that we don't even know what the dynamic or the assumptions. I will tell you for just people who are getting closer because there's going to be a lot of people in our audience that are in their 60s and trying to figure this out, is that I think 62 is a sucker bet for most people. Now, if you're a working couple, both of you worked, there's a lot of times where you will do strategies where the spouse that retires earlier or, you know, or who doesn't have the higher income might take it at 62, and then because you're going to hit the family maximum anyway, there's some dynamics that you can take advantage of. But for most people, if you were just looking at your earnings base, you're going to want to wait until you're somewhat closer beyond 65 or even full retirement age just because the

government penalizes you for working under 65. They severely discount your benefit. And then for people who have saved a lot and you and and life expectancy, meaning you have good family history for living um you know beyond 70 um. There is something to be said for full retirement age Day 70. They give you a guaranteed 8% increase every year. That's a that's a pretty good guaranteed rate of return. That takes the risk off of assuming the system doesn't fall in upon itself um. But it is one of those things where once again this is another part where personal finance gets very personal when you get these decisions. But if I'm 30 in my mid-30s you know early 30s thinking about that I'm going to be part of the fine movement and move to a next Endeavor in my mid-40s. Social security is more of a asri or or footnote thing that I put in there. This is not the main driver of my decision matrix. It's more on you and what you're saving and building so that

you you don't have any regrets or some uhoh when you when you make those big decisions. It's great.

How Should I Handle Social Security in Early Retirement?

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45세에 은퇴하면 20년간 소셜 연금을 납부하지 않으므로 예상 혜택이 크게 낮아질 수 있습니다.

따라서 조기 퇴직이 사회보장 혜택에 미치는 영향을 계산하는 것이 중요합니다.

일반적인 오류는 지속적인 소득 없이도 사회보장 명세서의 예상 혜택이 정확할 것이라고 가정하는 것입니다.

45세에 은퇴하려면 적극적인 저축과 보수적인 생활 가정이 필요합니다.

특히 젊은 층의 경우 은퇴 소득을 소셜 시큐리티에 의존하는 것에 대해 회의적인 태도를 갖는 것이 중요합니다.

정보에 입각한 인생 결정을 내리고 미래에 대한 명확한 계획을 세우는 것은 나중에 예상치 못한 어려움을 피하는 데 매우 중요합니다.

65세 미만으로 일하면 불이익을 받거나 혜택이 줄어들 수 있으므로 일반적으로 사회보장 혜택을 최대화하려면 65세 또는 정년퇴직 연령 이후까지 기다리는 것이 좋습니다.

부부의 경우, 특히 한 배우자의 소득이 낮은 경우 은퇴 연령에 대한 전략적 계획이 도움이 될 수 있습니다.

70세까지 연금 수령을 연기하면 연간 8%의 연금을 보장받을 수 있어 장수 가족력이 있는 분들에게 확실한 수익률을 제공할 수 있습니다.

어떤 사람들은 후회나 의심을 느끼지 않고 큰 결정을 내립니다.

의사 결정에 대한 이러한 접근 방식은 긍정적이고 존경할 만한 것으로 여겨집니다.

자신감 있게 앞으로 나아갈 수 있는 능력은 소중한 특성입니다.