Nice spreadsheet - thanks! Quick quest tho, where does the Delayed Retirement come into play? Can we just substitute the Full Retirement data points with the Delayed Ret data points to see the breakeven between Early & Delayed? And vice versa, the breakeven between Full & Delayed?
When I looked at receiving SSA benefits, I learned that if you are still working, the SSA will retain $1 for each $2 that you earn over a specific $ amount. I would have received no SSA benefits, so I decided to wait until full retirement age.
Nice spreadsheet - thanks! Quick quest tho, where does the Delayed Retirement come into play? Can we just substitute the Full Retirement data points with the Delayed Ret data points to see the breakeven between Early & Delayed? And vice versa, the breakeven between Full & Delayed?
When I looked at receiving SSA benefits, I learned that if you are still working, the SSA will retain $1 for each $2 that you earn over a specific $ amount. I would have received no SSA benefits, so I decided to wait until full retirement age.
That is true!