The Social Security point lands hard. Deferring to 70 makes perfect sense on a spreadsheet. It makes less sense when you factor in the probability of actually collecting enough to justify the wait. The plan optimizes for a future that isn't guaranteed. The present always is.
The Social Security point lands hard. Deferring to 70 makes perfect sense on a spreadsheet. It makes less sense when you factor in the probability of actually collecting enough to justify the wait. The plan optimizes for a future that isn't guaranteed. The present always is.
Well said, Matthew...
While it's important to plan for tomorrow, it's promised to no one.
And you're absolutely right - life happens well outside the confines of a spreadsheet