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<i class="icon-facebook">
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<i class="icon-twitter">
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HM
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Cyb
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<h2>
<a href="/strong-economy-low-unemployment-and-higher-job-and-wage-growth-extend-social-security-trust-funds-to-2035" id="ctl00_content1_hmBlog_lvSection_ctrl0_lnkToday">
Strong Economy, Low Unemployment, and Higher Job and Wage Growth Extend Social Security Trust Funds to 2035
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl0_lblPubDate">
May 6, 2024
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl0_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl0_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl0_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl0_pnlPhoto">
<a class="four columns image" href="/strong-economy-low-unemployment-and-higher-job-and-wage-growth-extend-social-security-trust-funds-to-2035" id="ctl00_content1_hmBlog_lvSection_ctrl0_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl0_imgPhoto" src="//www.horsesmouth.com/atch/99651/99651.jpg">
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</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl0_lblSummary">
<p>
The Social Security Board of Trustees today released its annual report on the financial status of the health of the Social Security Trust Funds. The combined asset reserves of the Old-Age and Survivors Insurance and Disability Insurance (OASI and DI) Trust Funds are projected to have enough dedicated revenue to pay all scheduled benefits and associated administrative costs until 2035, one year later than projected last year, with 83% of benefits payable at that time.
</p>
<p>
In the 2024 Annual Report to Congress, the Trustees announced:
</p>
</span>
<a href="/strong-economy-low-unemployment-and-higher-job-and-wage-growth-extend-social-security-trust-funds-to-2035" id="ctl00_content1_hmBlog_lvSection_ctrl0_hlDtl">
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<div class="eleven columns alpha omega">
<h2>
<a href="/social-security-eliminates-overpayment-burden-for-social-security-beneficiaries" id="ctl00_content1_hmBlog_lvSection_ctrl2_lnkToday">
Social Security Eliminates Overpayment Burden for Social Security Beneficiaries
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl2_lblPubDate">
Apr 1, 2024
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl2_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl2_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl2_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl2_pnlPhoto">
<a class="four columns image" href="/social-security-eliminates-overpayment-burden-for-social-security-beneficiaries" id="ctl00_content1_hmBlog_lvSection_ctrl2_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl2_imgPhoto" src="//www.horsesmouth.com/atch/99574/99574.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl2_lblSummary">
<p>
The Social Security Administration has announced it will decrease the default overpayment withholding rate for Social Security beneficiaries to ten percent (or $10, whichever is greater) from 100 percent, significantly reducing financial hardship on people with overpayments.
</p>
<p>
The change applies to new overpayments. If beneficiaries already have an overpayment with a withholding rate greater than ten percent and would like a lower recovery rate, they should call Social Security at (800) 772-1213 or their local Social Security office to speak with a representative. If a beneficiary requests a rate lower than ten percent, a representative will approve the request if it allows recovery of the overpayment within 60 months—a recent increase to improve how the agency serves its customers from the previous policy of only 36 months. If the beneficiary’s proposed rate would extend recovery of the overpayment beyond 60 months, the Social Security representative will gather income, resource, and expense information from the beneficiary to make a determination.
</p>
</span>
<a href="/social-security-eliminates-overpayment-burden-for-social-security-beneficiaries" id="ctl00_content1_hmBlog_lvSection_ctrl2_hlDtl">
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<h2>
<a href="/the-importance-of-life-expectancy-in-scenario-planning" id="ctl00_content1_hmBlog_lvSection_ctrl4_lnkToday">
The Importance of Life Expectancy in Scenario Planning
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl4_lblPubDate">
Feb 16, 2024
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl4_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl4_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl4_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl4_pnlPhoto">
<a class="four columns image" href="/the-importance-of-life-expectancy-in-scenario-planning" id="ctl00_content1_hmBlog_lvSection_ctrl4_hlPost">
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</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl4_lblSummary">
<p>
A series of articles in ThinkAdvisor has been examining claiming strategies using total lifetime benefits as the measure for optimal claiming. This, of course, is the same principle we use for Savvy Social Security Planning. The software calculates the starting benefit amount for each spouse based on claiming age and adds up all benefits paid over each spouse’s remaining life based on the life expectancies you enter. The scenario that pays the highest total benefits over the couple’s joint life expectancy is deemed the maximum benefit scenario. It’s pure, simple math that provides extremely valuable direction to couples in that it incorporates survivor benefits for the longer-lived spouse, which in turn informs the higher-earning spouse’s claiming age.
</p>
</span>
<a href="/the-importance-of-life-expectancy-in-scenario-planning" id="ctl00_content1_hmBlog_lvSection_ctrl4_hlDtl">
Read more ...
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<h2>
<a href="/let-the-propaganda-begin" id="ctl00_content1_hmBlog_lvSection_ctrl6_lnkToday">
Let the Propaganda Begin
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl6_lblPubDate">
Jan 5, 2024
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl6_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl6_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl6_lnkComments">
–
</a>
<a href="http://www.savvysocialsecurity.com/blogpost.aspx?a=99417#commentsContainer">
1 Comments
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl6_pnlPhoto">
<a class="four columns image" href="/let-the-propaganda-begin" id="ctl00_content1_hmBlog_lvSection_ctrl6_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl6_imgPhoto" src="https://www.horsesmouth.com/atch/99417/99417.png">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl6_lblSummary">
<p>
A Marketwatch article,
<a href="http://www.savvysocialsecurity.com/LinkTrack.aspx?u=https://www.marketwatch.com/story/this-will-not-save-social-security-a1d62c01?mod=home-page" target="newtab">
This Will Not Save Social Security
</a>
, tries to make the point that raising the tax cap will not save Social Security. It reads like an effort to manipulate public opinion.
</p>
<p>
As discussions ensue about the best way to bring the Social Security system into actuarial balance, the raising of the maximum wage base is emerging as a popular solution. In 2024 wages up to $168,600 are subject to the 12.4% Social Security tax, with the employee and employer each paying half and self-employed individuals paying the full 12.4%. Wages over $168,600 are not taxed and are not counted as earnings for the benefit formula.
</p>
</span>
<a href="/let-the-propaganda-begin" id="ctl00_content1_hmBlog_lvSection_ctrl6_hlDtl">
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<div class="eleven columns alpha omega">
<h2>
<a href="/will-benefits-be-cut-in-2034" id="ctl00_content1_hmBlog_lvSection_ctrl8_lnkToday">
Will Benefits Be Cut in 2034?
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl8_lblPubDate">
Oct 12, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl8_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl8_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl8_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl8_pnlPhoto">
<a class="four columns image" href="/will-benefits-be-cut-in-2034" id="ctl00_content1_hmBlog_lvSection_ctrl8_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl8_imgPhoto" src="//www.horsesmouth.com/atch/99275/99275.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl8_lblSummary">
<p>
As the OASDI Trust Fund exhaust date nears, clients may be worried that their benefits will be cut by 20% in 2034. This comes from the
<a href="http://www.savvysocialsecurity.com/LinkTrack.aspx?u=https://www.ssa.gov/OACT/TR/2023/II_A_highlights.html" target="newtab">
2023 Trustees Report
</a>
which expressed the system’s shortfall in a way that could be interpreted as an impending benefit cut.
</p>
<p>
The trustees’ exact words were: “Under the intermediate assumptions, the projected hypothetical combined OASI and DI Trust Fund asset reserves become depleted and unable to pay scheduled benefits in full on a timely basis in 2034. At the time of depletion of these combined reserves, continuing income to the combined trust funds would be sufficient to pay 80 percent of scheduled benefits.”
</p>
</span>
<a href="/will-benefits-be-cut-in-2034" id="ctl00_content1_hmBlog_lvSection_ctrl8_hlDtl">
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<div class="eleven columns alpha omega">
<h2>
<a href="/just-10-of-nonretired-americans-will-wait-until-70-to-take-maximum-social-security-benefits" id="ctl00_content1_hmBlog_lvSection_ctrl10_lnkToday">
Just 10% of Non-Retired Americans Will Wait Until 70 to Take Maximum Social Security Benefits
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl10_lblPubDate">
Aug 18, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl10_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl10_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl10_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl10_pnlPhoto">
<a class="four columns image" href="/just-10-of-nonretired-americans-will-wait-until-70-to-take-maximum-social-security-benefits" id="ctl00_content1_hmBlog_lvSection_ctrl10_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl10_imgPhoto" src="//www.horsesmouth.com/atch/99159/99159.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl10_lblSummary">
<p>
According to the 2023 Schroders US Retirement Survey, only 10% of non-retired Americans say they will wait until 70 to receive their maximum Social Security benefit payments.
</p>
<p>
Even worse, 40% of non-retired respondents plan to take Social Security between 62 and 65, thus locking in a permanently reduced benefit.
</p>
<p>
The choice to forgo larger Social Security payments is a deliberate one, as 72% of non-retired investors—and 95% of non-retired ages 60–65—are aware that waiting longer earns higher payments.
</p>
</span>
<a href="/just-10-of-nonretired-americans-will-wait-until-70-to-take-maximum-social-security-benefits" id="ctl00_content1_hmBlog_lvSection_ctrl10_hlDtl">
Read more ...
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<div class="eleven columns alpha omega">
<h2>
<a href="/proposed-legislation-would-apply-social-security-tax-to-all-income" id="ctl00_content1_hmBlog_lvSection_ctrl12_lnkToday">
Proposed legislation would apply Social Security tax to all income
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl12_lblPubDate">
Jul 12, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl12_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl12_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl12_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl12_pnlPhoto">
<a class="four columns image" href="/proposed-legislation-would-apply-social-security-tax-to-all-income" id="ctl00_content1_hmBlog_lvSection_ctrl12_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl12_imgPhoto" src="//www.horsesmouth.com/atch/99077/99077.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl12_lblSummary">
<p>
Will benefits really fall in 2034? As the projected year of the OASDI Trust Fund exhaustion draws nearer, interest is growing in how this math problem will be solved. For clues to how or when Congress will act, we turn to several recent news items. One is testimony by SSA chief actuary Steven Goss to the Senate Budget Committee. Another is a bill by Sheldon Whitehouse and Brendan Boyle called the “Medicare and Social Security Fair Share Act.” And a third is a revision to John Larson’s “Social Security 2100 Act,” which extends the sunset date of its provisions to 2034 from 2027, extending solvency to 2066.
</p>
</span>
<a href="/proposed-legislation-would-apply-social-security-tax-to-all-income" id="ctl00_content1_hmBlog_lvSection_ctrl12_hlDtl">
Read more ...
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<div class="eleven columns alpha omega">
<h2>
<a href="/broke-generation-64-of-gen-xers-have-stopped-saving-for-retirement" id="ctl00_content1_hmBlog_lvSection_ctrl14_lnkToday">
‘Broke Generation:’ 64% of Gen Xers have stopped saving for retirement
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl14_lblPubDate">
Jun 16, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl14_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl14_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl14_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl14_pnlPhoto">
<a class="four columns image" href="/broke-generation-64-of-gen-xers-have-stopped-saving-for-retirement" id="ctl00_content1_hmBlog_lvSection_ctrl14_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl14_imgPhoto" src="https://www.horsesmouth.com/atch/99006/99006.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl14_lblSummary">
<p>
While their parents belonged to the “Greatest Generation,” Gen X may soon be carving out a reputation as the “Broke Generation.”
</p>
<p>
A recent survey conducted by Clever Real Estate polled 1,000 Gen Xers born between 1965 and 1980 to find out how they fare when it comes to personal finances and the road to retirement. A staggering 56% of Gen Xers said they have less than $100,000 saved for retirement, and 22% said they have yet to save a single cent.
</p>
</span>
<a href="/broke-generation-64-of-gen-xers-have-stopped-saving-for-retirement" id="ctl00_content1_hmBlog_lvSection_ctrl14_hlDtl">
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<div class="eleven columns alpha omega">
<h2>
<a href="/general-revenue-transfers-to-social-security" id="ctl00_content1_hmBlog_lvSection_ctrl16_lnkToday">
General Revenue Transfers to Social Security?
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl16_lblPubDate">
May 3, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl16_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl16_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl16_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl16_pnlPhoto">
<a class="four columns image" href="/general-revenue-transfers-to-social-security" id="ctl00_content1_hmBlog_lvSection_ctrl16_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl16_imgPhoto" src="//www.horsesmouth.com/atch/98920/98920.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl16_lblSummary">
<p>
When Social Security was founded in 1935, the intent was always for it to be self-financing. “
<a href="http://www.savvysocialsecurity.com/LinkTrack.aspx?u=https://www.archives.gov/exhibits/treasures_of_congress/text/page19_text.html" target="newtab">
With those taxes in there, no damn politician can ever scrap my Social Social Security program
</a>
” is how FDR put it. And indeed, the system has been able to pay promised benefits from its dedicated revenue sources—payroll taxes, income taxes on benefits, and interest on the securities in the trust fund—without turning to the federal government for additional funds.
</p>
<p>
The idea of asking Congress for money in the form of general revenue transfers has always been considered a slippery slope to those who want to preserve Social Security. Do it once and it could lead to more dependence on general revenue transfers, which would subject it to the budget process and someday cause some “damn politician” to scrap FDR’s beloved program.
</p>
</span>
<a href="/general-revenue-transfers-to-social-security" id="ctl00_content1_hmBlog_lvSection_ctrl16_hlDtl">
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<h2>
<a href="/social-security-trustees-project-trust-fund-exhaustion-in-2034" id="ctl00_content1_hmBlog_lvSection_ctrl18_lnkToday">
Social Security Trustees Project Trust Fund Exhaustion in 2034, One Year Earlier Than Last Year
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl18_lblPubDate">
Mar 31, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl18_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl18_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl18_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl18_pnlPhoto">
<a class="four columns image" href="/social-security-trustees-project-trust-fund-exhaustion-in-2034" id="ctl00_content1_hmBlog_lvSection_ctrl18_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl18_imgPhoto" src="//www.horsesmouth.com/atch/98862/98862.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl18_lblSummary">
<p>
The Social Security Trustees released their annual report earlier than usual this year, on March 31. The report shows little change from recent years. They now project that the combined OASDI Trust Fund will exhaust in 2034, after which payroll taxes will be sufficient to pay 80% of promised benefits.
</p>
</span>
<a href="/social-security-trustees-project-trust-fund-exhaustion-in-2034" id="ctl00_content1_hmBlog_lvSection_ctrl18_hlDtl">
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<div class="clearfix entry row">
<div class="eleven columns alpha omega">
<h2>
<a href="/savvy-social-security-calculators-rated-1-in-user-satisfaction" id="ctl00_content1_hmBlog_lvSection_ctrl20_lnkToday">
Savvy Social Security Calculators Rated #1 in User Satisfaction
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl20_lblPubDate">
Mar 15, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl20_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl20_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl20_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl20_pnlPhoto">
<a class="four columns image" href="/savvy-social-security-calculators-rated-1-in-user-satisfaction" id="ctl00_content1_hmBlog_lvSection_ctrl20_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl20_imgPhoto" src="//www.horsesmouth.com/atch/98808/98808.png">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl20_lblSummary">
<p>
The results of the 2023 T3/Inside Information Software Survey are in, and the Horsesmouth Savvy Social Security Planning Calculators received the highest rating in user satisfaction, coming in at 8.70, with the next-closest competitor garnering a score of 8.29.
</p>
<p>
Since 2008, Horsesmouth has recognized the importance of having a dedicated Social Security planning tool to help clients determine the optimal time to claim benefits. Over the years our calculators have helped thousands of clients maximize their Social Security benefits while helping to shift the general thinking about when to claim. The later-is-usually-better advice targeted to higher-earning spouses can now, thanks to the calculators, be backed up by actual numbers and will result in a generation of widows enjoying higher income in their later years than if those higher-earning spouses had relied on instinct and claimed early.
</p>
</span>
<a href="/savvy-social-security-calculators-rated-1-in-user-satisfaction" id="ctl00_content1_hmBlog_lvSection_ctrl20_hlDtl">
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<div class="clearfix entry row">
<div class="eleven columns alpha omega">
<h2>
<a href="/there-are-only-two-ways-to-fix-social-security-cut-benefits-or-raise-revenues" id="ctl00_content1_hmBlog_lvSection_ctrl22_lnkToday">
There Are Only Two Ways to Fix Social Security: Cut Benefits or Raise Revenues
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl22_lblPubDate">
Mar 3, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl22_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl22_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl22_lnkComments">
–
</a>
<a href="http://www.savvysocialsecurity.com/blogpost.aspx?a=98782#commentsContainer">
2 Comments
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl22_pnlPhoto">
<a class="four columns image" href="/there-are-only-two-ways-to-fix-social-security-cut-benefits-or-raise-revenues" id="ctl00_content1_hmBlog_lvSection_ctrl22_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl22_imgPhoto" src="//www.horsesmouth.com/atch/98782/98782.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl22_lblSummary">
<p>
As Social Security begins to move to the front burner in Washington, it will be important to keep a clear head when reading about possible revisions. No politician wants to be responsible for either cutting benefits or raising taxes, so we are starting to hear about “alternative” solutions, such as raising the full retirement age or revising the benefit formula through “progressive price indexing.” These are presented as a “third way” that cause little or no pain for anyone.
</p>
</span>
<a href="/there-are-only-two-ways-to-fix-social-security-cut-benefits-or-raise-revenues" id="ctl00_content1_hmBlog_lvSection_ctrl22_hlDtl">
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</div>
<div class="clearfix entry row">
<div class="eleven columns alpha omega">
<h2>
<a href="/bernie-sanders-submits-new-social-security-reform-proposal" id="ctl00_content1_hmBlog_lvSection_ctrl24_lnkToday">
Bernie Sanders Submits New Social Security Reform Proposal
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl24_lblPubDate">
Feb 15, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl24_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl24_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl24_lnkComments">
–
</a>
<a href="http://www.savvysocialsecurity.com/blogpost.aspx?a=98740#commentsContainer">
1 Comments
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl24_pnlPhoto">
<a class="four columns image" href="/bernie-sanders-submits-new-social-security-reform-proposal" id="ctl00_content1_hmBlog_lvSection_ctrl24_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl24_imgPhoto" src="//www.horsesmouth.com/atch/98740/98740.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl24_lblSummary">
<p>
It’s a refresh of a former proposal Bernie Sanders and Elizabeth Warren submitted a couple of years ago. But it garnered attention this week when the SSA Office of the Chief Actuary published its response to Bernie’s request for an analysis of the proposal’s effect upon the system. According to the
<a href="http://www.savvysocialsecurity.com/LinkTrack.aspx?u=https://www.ssa.gov/OACT/solvency/BSanders_20230213.pdf" target="newtab">
projections
</a>
, Bernie’s plan would restore full solvency to the Social Security system for at least the next 75 years.
</p>
</span>
<a href="/bernie-sanders-submits-new-social-security-reform-proposal" id="ctl00_content1_hmBlog_lvSection_ctrl24_hlDtl">
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<div class="eleven columns alpha omega">
<h2>
<a href="/social-security-and-medicare-cuts-off-the-table" id="ctl00_content1_hmBlog_lvSection_ctrl26_lnkToday">
Social Security and Medicare Cuts off the Table
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl26_lblPubDate">
Feb 3, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl26_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl26_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl26_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl26_pnlPhoto">
<a class="four columns image" href="/social-security-and-medicare-cuts-off-the-table" id="ctl00_content1_hmBlog_lvSection_ctrl26_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl26_imgPhoto" src="//www.horsesmouth.com/atch/98709/98709.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl26_lblSummary">
<p>
Republicans are backing away from proposals to reduce spending on Social Security and Medicare as they enter talks with Democrats over raising the nation’s borrowing limit, sidelining for now a politically perilous fight over how to best firm up the finances of the popular benefit programs.
</p>
<p>
House Speaker Kevin McCarthy (R., Calif.) has said he wants to slash federal spending in exchange for voting to raise the debt ceiling, but in recent days he stressed publicly and privately that he isn’t seeking cuts to Social Security and Medicare. Democrats for weeks have pressed Republicans to provide more specifics of what they plan to cut, while warning against entitlement-eligibility changes some GOP lawmakers had sought to tie to a debt-limit deal.
</p>
</span>
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<div class="clearfix entry row">
<div class="eleven columns alpha omega">
<h2>
<a href="/put-wife-on-payroll" id="ctl00_content1_hmBlog_lvSection_ctrl28_lnkToday">
Put Wife on Payroll?
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl28_lblPubDate">
Jan 12, 2023
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl28_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl28_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl28_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl28_pnlPhoto">
<a class="four columns image" href="/put-wife-on-payroll" id="ctl00_content1_hmBlog_lvSection_ctrl28_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl28_imgPhoto" src="//www.horsesmouth.com/atch/98648/98648.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl28_lblSummary">
<p>
In financial planning it is common to employ family members for various tax or other benefits. A child who has earned income can contribute to an IRA, for example. So a parent who owns a business may put the child on the payroll in order to make them eligible for IRA contributions.
</p>
<p>
In Social Security we often talk about putting the wife on the payroll in order to qualify her for Social Security benefits. (Excuse the stereotypical sexist language, but it usually is the husband who runs the business and the wife who has low or no earnings for Social Security.) There’s a whole analysis that goes into this: will paying the wife—and paying SE taxes on her earnings—qualify her for a benefit that is higher than the spousal benefit she would get as a nonworking spouse?
</p>
</span>
<a href="/put-wife-on-payroll" id="ctl00_content1_hmBlog_lvSection_ctrl28_hlDtl">
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<div class="clearfix entry row">
<div class="eleven columns alpha omega">
<h2>
<a href="/how-does-local-costofliving-affect-retirement" id="ctl00_content1_hmBlog_lvSection_ctrl30_lnkToday">
How Does Local Cost-of-Living Affect Retirement?
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl30_lblPubDate">
Dec 29, 2022
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl30_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl30_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl30_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl30_pnlPhoto">
<a class="four columns image" href="/how-does-local-costofliving-affect-retirement" id="ctl00_content1_hmBlog_lvSection_ctrl30_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl30_imgPhoto" src="//www.horsesmouth.com/atch/98618/98618.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl30_lblSummary">
<p>
Across the country, workers with similar skills earn different compensation to reflect the cost of housing in their local labor market. Yet, Social Security benefits are determined by a national formula that does not take local price levels into account. To the extent that living in an area with a high cost-of-living translates to higher wages, workers in these areas could end up with lower replacement rates than otherwise similar workers in less-expensive areas. If the difference is substantial, workers might respond by saving more, working longer, or retiring to a lower-cost location.
</p>
</span>
<a href="/how-does-local-costofliving-affect-retirement" id="ctl00_content1_hmBlog_lvSection_ctrl30_hlDtl">
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<div class="eleven columns alpha omega">
<h2>
<a href="/post-election-social-security-cuts-less-likely-now" id="ctl00_content1_hmBlog_lvSection_ctrl32_lnkToday">
Post-Election Social Security Cuts Less Likely Now
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl32_lblPubDate">
Nov 14, 2022
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl32_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl32_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl32_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl32_pnlPhoto">
<a class="four columns image" href="/post-election-social-security-cuts-less-likely-now" id="ctl00_content1_hmBlog_lvSection_ctrl32_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl32_imgPhoto" src="//www.horsesmouth.com/atch/98529/98529.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl32_lblSummary">
<p>
Prior to the midterm elections, when it was looking like Republicans might take control of both the House and the Senate, attention was focused on comments by Senator Rick Scott (R-FL), Senator Ron Johnson (R-WI), and other influential Republicans who proposed subjecting Social Security and Medicare to a renewal vote every year or every five years in the hope of reducing spending on these now-mandatory government programs. Republicans floated a number of ideas, including raising the full retirement age to 70 and cutting benefits for higher-income retirees. But subjecting Social Security and Medicare to the annual budget process would be a major distortion in how these programs operate, subjecting them to the whims of whoever happens to be in power.
</p>
</span>
<a href="/post-election-social-security-cuts-less-likely-now" id="ctl00_content1_hmBlog_lvSection_ctrl32_hlDtl">
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<div class="eleven columns alpha omega">
<h2>
<a href="/social-security-announces-87-cola-for-2023" id="ctl00_content1_hmBlog_lvSection_ctrl34_lnkToday">
Social Security announces 8.7% COLA for 2023
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl34_lblPubDate">
Oct 13, 2022
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl34_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl34_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl34_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl34_pnlPhoto">
<a class="four columns image" href="/social-security-announces-87-cola-for-2023" id="ctl00_content1_hmBlog_lvSection_ctrl34_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl34_imgPhoto" src="//www.horsesmouth.com/atch/98461/98461.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl34_lblSummary">
<p>
The waiting is over. Benefit checks will be going up by 8.7% in January.
</p>
<p>
The
<a href="https://www.bls.gov/news.release/cpi.nr0.htm" target="_blank">
CPI-W
</a>
, which is the index used to calculate the COLA, rose by 8.5% over the last 12 months to an index level of 291.854 (1982–84 = 100). In calculating the COLA, SSA takes the average of the indexes for July, August, and September (291.901), subtracts the average for the same period last year (268.421) and calculates the percentage gain, which was 8.747%.
</p>
<p>
SSA made it clear in its
<a href="https://www.ssa.gov/news/press/releases/2022/#10-2022-2" target="_blank">
press release
</a>
that it will not be necessary to call SSA: beneficiaries will be notified by mail in early December what their new benefit amount will be. To get the information a bit faster, people can go to their
<a href="https://www.ssa.gov/myaccount/" target="_blank">
Social Security account
</a>
and sign up for email or text notifications. They will get an alert when their COLA announcement has been posted as a message to their account.
</p>
</span>
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<div class="eleven columns alpha omega">
<h2>
<a href="/cr-gives-ssa-half-the-amount-requested" id="ctl00_content1_hmBlog_lvSection_ctrl36_lnkToday">
CR Gives SSA Half the Amount Requested
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl36_lblPubDate">
Sep 27, 2022
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl36_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl36_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl36_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl36_pnlPhoto">
<a class="four columns image" href="/cr-gives-ssa-half-the-amount-requested" id="ctl00_content1_hmBlog_lvSection_ctrl36_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl36_imgPhoto" src="//www.horsesmouth.com/atch/98427/98427.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl36_lblSummary">
<p>
Congress is still in the process of hammering out a continuing resolution (CR) to keep the government running until lawmakers can agree on budget for FY 2023. As discussed in this
<a href="article.aspx?a=98404">
newsletter
</a>
, CR funding for any given agency usually matches the amount they got last year, unless an “anomaly” is granted. This year SSA asked for an anomaly of $800 milion over and above the $13 billion the agency received last year.
</p>
</span>
<a href="/cr-gives-ssa-half-the-amount-requested" id="ctl00_content1_hmBlog_lvSection_ctrl36_hlDtl">
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<div class="eleven columns alpha omega">
<h2>
<a href="/you-earned-it-you-keep-it" id="ctl00_content1_hmBlog_lvSection_ctrl38_lnkToday">
You Earned It, You Keep It
</a>
</h2>
<div class="blogDate">
<span class="pubdate" id="ctl00_content1_hmBlog_lvSection_ctrl38_lblPubDate">
Sep 15, 2022
</span>
<span class="slash" id="ctl00_content1_hmBlog_lvSection_ctrl38_lblSlash">
/
</span>
<span class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl38_lblByline">
Elaine Floyd, CFP®
</span>
<a class="byline" id="ctl00_content1_hmBlog_lvSection_ctrl38_lnkComments">
</a>
</div>
<div id="ctl00_content1_hmBlog_lvSection_ctrl38_pnlPhoto">
<a class="four columns image" href="/you-earned-it-you-keep-it" id="ctl00_content1_hmBlog_lvSection_ctrl38_hlPost">
<img id="ctl00_content1_hmBlog_lvSection_ctrl38_imgPhoto" src="//www.horsesmouth.com/atch/98406/98406.jpg">
</a>
</div>
<span id="ctl00_content1_hmBlog_lvSection_ctrl38_lblSummary">
<p>
The latest proposal to be analyzed by SSA’s office of the chief actuary is Angie Craig’s (D-MN) “You Earned It, You Keep It” proposal
<a href="http://www.savvysocialsecurity.com/LinkTrack.aspx?u=https://www.congress.gov/bill/117th-congress/house-bill/8717?s=1&r=1" target="newtab">
(H.R. 8717)
</a>
.
</p>
<p>
Under this bill, starting in 2023 Social Security benefits would no longer be taxed. (Hence the name, “you earned it, you keep it.”) To make up for the lost revenue, transfers from the general fund of the U.S. Treasury would be made to the OASI, DI, and HI trust funds. In addition, payroll taxes—the 6.2% of wages each paid by the employee and employer—would be assessed on earnings over $250,000. This would leave a “donut hole” between the maximum taxable wage base, currently $147,000, and $250,000, of earnings that would not be taxed. Over time, as the average wage index rises, the maximum taxable wage base would eventually exceed $250,000 causing all earnings to be subject to payroll taxes.
</p>
</span>
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