3 Social Security Mistakes You Might Make During Your Working Years

Motley Fool2021-10-01

Retirees routinely rely on Social Security to cover their living expenses. Therefore, the more money you're able to collect in benefits, the better. You'll often be warned that filing for Social ...

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2021-10-01
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Therefore, the more money you're able to collect in benefits, the better.\nYou'll often be warned that filing for Social ...</p>\n\n<a href=\"https://www.fool.com/retirement/2021/10/01/3-social-security-mistakes-you-might-make-during-y/\">网页链接</a>\n\n</div>\n","source":"fool_stock","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>3 Social Security Mistakes You Might Make During Your Working Years</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n3 Social Security Mistakes You Might Make During Your Working Years\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-10-01 19:30 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/retirement/2021/10/01/3-social-security-mistakes-you-might-make-during-y/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Retirees routinely rely on Social Security to cover their living expenses. Therefore, the more money you're able to collect in benefits, the better.\nYou'll often be warned that filing for Social ...</p>\n\n<a href=\"https://www.fool.com/retirement/2021/10/01/3-social-security-mistakes-you-might-make-during-y/\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":null,"symbol_name":null,"start_time":0,"source_url":"https://www.fool.com/retirement/2021/10/01/3-social-security-mistakes-you-might-make-during-y/","article_id":"2172950896","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2172950896","pubTimestamp":1633087845,"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"Be careful -- the moves you make throughout your career could impact your benefits in the future.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{},"translate_title":"你在工作期间可能犯的3个社会保障错误","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{},"content_text":"Retirees routinely rely on Social Security to cover their living expenses. Therefore, the more money you're able to collect in benefits, the better.\nYou'll often be warned that filing for Social Security at the wrong age could cause you a world of financial stress throughout retirement. But here are some mistakes you might make throughout your career that have a similar impact.\n\nImage source: Getty Images.\n1. Coasting at a lower-paying job\nSome people spend years working a job that's not too difficult but also not too generous on the salary front. And to be clear, there are benefits to coasting at an easier job, like less stress and a better work-life balance.\nBut one thing you should know is that the monthly Social Security benefit you'll be eligible for in retirement will hinge on your personal earnings history. The less money you make, the lower the benefit you'll collect. If you're offered an opportunity to take a promotion at a higher salary, you may want to consider it -- even if it means having to push yourself a bit more on the job and put in longer hours.\n2. Not reporting your side income\nMany people get side hustles on top of their main jobs to boost their income. But if you don't report those earnings, you could end up with a lower Social Security benefit down the line.\nIt's not just your earnings from your main job that count toward Social Security. If you drive for a ride-hailing service a few hours a week or work at a restaurant on weekends, that income also is factored into your future benefits. So it's important that you report that income to the IRS to help ensure that you get your maximum benefit during retirement.\nIncidentally, failing to report income could get you into hot water with the IRS from a tax standpoint. So that alone is reason to list all of your earnings when you file your yearly tax returns.\n3. Not reviewing your annual earnings statements\nThe Social Security Administration (SSA) issues all workers an earnings statement every year. Yours will summarize your income and also give you an estimate of the future Social Security benefit you can look forward to based on your earnings to date.\nIt's important that you review those statements for errors, because some mistakes could result in a lower benefit during retirement. For example, if your income for a given year is reported as $57,000 when you really earned $72,000, that could impact your future benefit, so that's a mistake worth correcting.\nWorkers who are 60 or older will receive their earnings statements directly in the mail. If you're younger, all you need to do is create an account on the SSA's website and access it there.\nSocial Security could easily end up becoming an important income source for you in retirement, even if you kick off your senior years with a decent chunk of savings. Avoid these mistakes so you can lock in a higher monthly benefit to enjoy.","kind":null,"is_publish_news":false,"is_publish_highlight":true,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":864821528,"gmtCreate":1633091443097,"gmtModify":1633091594900,"author":{"id":"3574212983712096","authorId":"3574212983712096","name":"spin37gy","avatar":"https://static.tigerbbs.com/97dfcecfb7a4ab4bcb3c2ae6bb551e51","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Like?&nbsp;","listText":"Like?&nbsp;","text":"Like?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/864821528","repostId":2172950896,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"}],"isCommentEnd":false,"newsSizeData":{"likeSize":51,"commentSize":1,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.25.1","shortVersion":"4.25.1","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2172950896"}