Don't activate your Social Security until you're 70. If you're eligible for auxiliary benefits (spousal, childcare), activate your Social Security at age 66, suspend your own benefits until age 70, and meanwhile collect the auxiliary benefits.
70岁再去启动你的社会保障。倘若你有资格申请到辅助福利(配偶或是儿童看管),在66岁时激活社保,在积蓄这些福利的同时,你自己的福利可以到70岁再领。
"Social Security is, far away, Americans' most important retirement asset. And that's not only true for people of modest means. Middle-income and upper-income households actually have the most to gain, in total amounts, from getting Social Security right. Toting up lifetime benefits, even low-earning couples may be Social Security millionaires……Social Security is a very meaningful income source."
“社会保障从很早以前便是美国人最重要的退休资产。这不仅是对收入微薄的人而言。实际上,中层和上层收入家庭如果合理安排他们的社保,能在总数上获得最大回报。若是计算终生的福利总额,即便是收入颇低的夫妻也能通过社保成为百万富翁……社保是非常有意义的一项收入来源。”
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