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8 Ways to Increase Social Security Benefits
Senior Writer | Personal finance, credit scores, economics
Senior Assigning Editor | Los Angeles Times; University of California, San Diego; Microsoft
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Knowing how to increase Social Security benefits is important, since those checks will likely be a major source of your income in retirement.
Unfortunately, many people don’t understand how Social Security really works. They claim too early, miss out on important benefits and fail to use strategies that could boost their lifetime income. Their mistakes can cost them as much as $250,000, researchers have estimated.
Here are eight ways to increase your Social Security benefits.
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- 3. Eye exams
- Personal loan pros and cons
- Is there an upside to keeping a loan?
- 3. No required minimum distributions
- 3. 50% more value when redeeming for travel
- Startups
- Call and make a deal
- Where to get windstorm insurance
- Rules for refinancing FHA loans
- 3. Stay invested with the "Buy and hold" strategy
- Advantages of SBA Loans
- AmEx Platinum vs. Chase Sapphire Reserve: Deciding factors
- VA cash-out refinance loan
- Overflowing toilets, bathtubs and sinks
- Pros
- Nonrefundable tax credit
- Step 3: Choose a business entity
- 1. Book with points
- Savings accounts with strong APYs can help your money grow
- Historical national rates
- Dogecoin's future
- How to choose marijuana stocks
- 2. Ask your boss to pay
- Minimum down payment requirements
- Elite: $89.99 per month
- Donations
- Commodity stock benefits
- 3. Special financing terms are a big risk
- Revenue-based financing
- 13 fundamentals of personal finance
- How much do Uber drivers make per hour?
- How to estimate car insurance costs
- How being an authorized user could hurt your credit
- 5. Buy the Sunday paper (for coupons)
- What does life insurance not cover?
- 2. Roll your old 401(k) over to a new employer
- 2. Rakuten
- About 7 in 10 women learned how to choose investments
- 2. Apply for a credit card consolidation loan
- How to play Mega Millions
- Booking a refundable fare
- Miscalculation is latest error in a long list for FAFSA
- 5. Seek community loans and assistance
- Metal
- Advantages of a lady bird deed
- How do Marriott Bonvoy points compare to other hotel programs?
- 2. Evaluate your sunlight exposure
- Premium: $22.99 per month
- What mortgage can I afford?
- 2. Afterpay
- CD rate trends
- What you can do to stay insured
- About home equity loans
- 1. Start with a budget
- 3. High-yield money market accounts (MMAs)
- What do you do with Form 5498?
- Premium Accounting
- 2. Withdraw your funds and deposit them into a different CD
- 3. Credit limit tied to the security deposit
- 3. American opportunity tax credit
- How does Apple Music fit into your budget?
- Will pre-qualifying affect my credit score?
- What is the maximum loan-to-value for FHA cash-out?
- If you're more than 30 days late
- Pros and cons of buying life insurance through work
- Who qualifies for the home sales tax exclusion?
- Use a budget planner
- 2. If the price of a ticket is more expensive than buying miles
- 1. Are you a fiduciary?
- The airline transfer ratio
- 4 easy ways start investing with little money
- 3. If you're going for it, you have only until Dec. 31
- How much does a wire transfer cost?
- How do REITs work?
- Are you paying more for less?
- 2023 Section 179 deduction limit
- NY state income tax: Head of household
- 2. Book a new reservation
- Inheritance taxes vs. estate taxes
- Investment goals
- Industry trade groups speak out against the rule
- Your auto loan needs to work for your situation
- Ask about annual fee credits or retention offers
- See CD rates by bank
- Episode transcript
- Step 1: Find a gold ETF
- Are there income limits for 401(k)s?
- Hire a debt relief company
- 5. Capitalize on plant-based foods
- 4. No foreign transaction fees
- Bonanza
- HSA-eligible expenses
- Unlimited movie and TV streaming
- Credit score
- Which transactions are locked?
- 2. ... But it's not ideal for everyday purchases
- U.S. to Europe for 21,500 miles in economy or 53,000 miles in business class
- How to protect yourself from price discrimination
- How to change your payment amount
- 3. Earn more
- Best car insurance in New Jersey for your budget: Geico
- Episode transcript
- Best travel insurance companies
- How to use a health care FSA
- Why is a codeshare flight important?
- Exchange-traded notes (ETNs)
- How much is YouTube TV for 1 year?
- Are brokerage fees tax-deductible?
- 3. Scheduling
- Who has to pay self-employment tax?
- Dive deep to compare fares
- 3. … and it can also be a low-interest card
- Step 2: Write a business plan
- It’s not what you can borrow, it’s what you can afford
- Long-term capital gains tax
- Do all workers earn at least the minimum wage?
- What’s not covered
- The details
- Child tax credit 2024
- Credit cards
- Higher food and energy costs
- Complete Coverage
- 2. Test websites and apps
- B
- The gym’s location
- 3. Determine other ownership costs
- 3. Look like you know where you're going
- How to fill out Schedule C
- Get a secured credit card
- 30% of your income: wants
- 2. Build a money management blueprint
- How to cancel Medicare Part B coverage
- 3 active trader tax breaks
- 3. Snow removal
- Choosing the best asset allocation
- Apply for closed school discharge through June 30, 2023
- How to defer loans while in grad school
- Welcome offer
- 2. Repurposed blog content
- When to compare quotes on insurance
- Traditional bank loans
- Cons
- Refundable tax credit
- When is the next Mega Millions drawing?
- EITC 2023
- How to write a mission statement in 5 steps
- 2. A new 401(k) employer contribution option
- 3. Use nicknames to personalize accounts
- October-December: Black Friday
- 3. Use refinancing to your advantage
- By email
- Premier: $99.99 per month
- How margin trading works
- Brand partnerships
- Medicare Part B penalty calculator
- WEX
- You fly a lot with a single airline
- Do you have existing credit card debt you want to pay down?
- EveryDollar
- 4. Gazelle: One of the original reputable cell phone resellers
- One in, one out
- What you can do: Set a financial goal or priority if you haven’t yet
- Get a secured credit card
- What do I do if I get a Form 1099-NEC?
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- 1. Tax-filing status
- 4. Whether you can afford the minimum spend requirements for the bonus miles offer
- Why are my FICO and VantageScore credit scores different?
- Standard deduction
- Travel credit card availability
- 2. Empower: Best for fast cash
- Does Hulu allow password sharing?
- 6. Ask for forbearance on bills
- Labor costs
- But not enough to get you into trouble
- All year
- Contact your carmaker
- Location
- San Francisco Women’s Entrepreneurship Fund
- How to buy a life insurance policy
- 2. The difference between tax deductions and tax credits
- 3. Are you exempt from minimum wage and overtime rules?
- Decide what type of account you want: checking vs. savings
- 3. Let your bank renew your CD
- Other structures coverage
- Potential issues with having multiple credit cards
- 2. Dividend index funds and exchange-traded funds
- 3. File a chargeback
- What do I need to pre-qualify for a personal loan?
- How to calculate your net worth
- The rule of 25 and 4% rule
- Compare car insurance rates for 20-year-olds
- How much does a stock broker make?
- How to apply for an employer identification number
- 2. Legoland — if you’ve got kids under the age of 13
- Cleveland Tech Delta Program
- 1. The home must be your principal residence
- 4. Hearing aids
- What is the point of the stock market?
- Income taxes for multi-member LLCs
- When a home equity loan is best
- It may lower the average age of your accounts
- 4. Point transfers to airlines and hotels
- Businesses in volatile industries
- Frugal entertainment tips
- Does renters insurance cover hurricane damage?
- Rules for refinancing VA loans
- 3. Auto repair
- 3. You can earn a modest sign-up bonus
- Xoom
- Should you invest in the stock market?
- 2. Figure out how much money you need to retire
- 3. Reward rates are solid, but reward values are meh
- How far in advance should I get preapproved for a mortgage?
- Possible Finance: No-credit-check, high-interest installment loans
- Types of credit cards
- Tip about banks vs. credit unions
- Best North Carolina car insurance for your budget: Progressive
- Step 2: Analyze the ETF
- 6. Start a dropshipping business
- VA and USDA loans: 0% down payment
- The type of central air unit: $600 to $24,000
- About Medicare
- How to set up a Miller trust
- Unlimited reading
- Protective life insurance rates
- Debt-to-income ratio
- Venture debt
- What happens if you don’t tip?
- Automated investing vs. hands-on investing
- How much property damage liability you need
- 6. Avoid online grocery shopping
- Do personal credit scores affect business credit scores?
- 3. Keep your 401(k) with a former employer
- Is LifeLock worth the price?
- Why it’s the best
- Being put in a database due to a bounced check
- How the annual gift tax exclusion works
- Customer benefits
- Winner: British Airways
- Is student loan forbearance bad?
- Investment fee calculator
- 2. Ask yourself why you received the check
- 3. Estimate and compare the cost of solar panels for homes
- CD rates: 1980s to 2000s
- How to invest in mutual funds
- Home equity loans pros and cons
- Top alternative lenders for small businesses
- Personal loans
- Getting the best HELOC rate
- Quantum Accounting
- 4. Lifetime learning credit
- 3. Consider paying points
- If it's an error
- 2. How do you get paid?
- 4. Tax-free withdrawals for your heirs
- Book domestic Delta flights via Flying Blue
- Things to consider about CMAs
- Drawbacks of SBA Loans
- Add a new school or delete one
- REITs' average return
- 2024 Section 179 deduction limit
- Annual fee
- New York state supplemental income tax
- California income tax deadlines and extensions
- How long does it take to get a liquor license?
- How does a life insurance trust work?
- Partially refundable tax credit
- Step 4: Choose a business name
- Hostel takeover?
- How much is the next Powerball jackpot?
- Price vs. yield
- What if there were no cleaning fees?
- What can I use a home equity loan for?
- 2. Partner awards from other airlines
- 1. Free write about starting your company
- How a savings account works: withdrawal limits
- Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
- Average interest checking account rate: 0.07%
- How to determine if settlement is right for you
- Invoice factoring example
- Fubo add-ons
- Midland National customer complaints and satisfaction
- Advantages of HSAs
- How to list a car on CarGurus
- Medicare Part D late enrollment penalty
- Who benefits from becoming an authorized user?
- Try a simple budgeting plan
- How does life insurance work?
- 5. Your wireless provider: Most carriers sell pre-owned phones
- Tips for building generational wealth
- Where do lottery prizes come from?
- What are the credit score ranges?
- How to unfreeze your credit
- Changes within 24 hours of booking
- How does Hulu fit into your budget?
- 7. Request a payroll advance
- Municipal money market funds
- SIMPLE IRA contribution limits for 2024
- Disadvantages of a lady bird deed
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- What the American Opportunity Credit is worth
- 3. Choose how much you want to invest
- Liability car insurance limits
- What are the benefits of early direct deposit?
- How to invest in the S&P 500 in two steps:
- Founders First Job Creators Quest Grant
- Don’t let the details drag you down
- Potential employers may ask about it
- Child tax credit expansion: What the tax deal could mean for you
- Spacing out credit card applications
- 2. Document your charitable contributions
- The quality of the gym
- What does an FHA cash-out refinance cost?
- How do you find a broker?
- Building Facade & Sustainability Grants for Oxford Businesses
- What to ask your credit card issuer
- Best in Texas for having few consumer complaints: Chubb
- When to skip Wyndham Rewards transfer partners
- When you hate your job but can’t quit
- 20% of your income: savings and debt
- 1. Retirement plans for retirement goals
- 4. Tax-loss harvesting is most useful if you’re investing in individual stocks, actively managed funds and/or exchange-traded funds
- Look for discounts
- How to re-enroll in Medicare Part B coverage
- Rules for refinancing USDA loans
- Are you a day trader for tax purposes?
- Asset allocation by goals
- When to spring for premium economy
- Online lenders
- 3. Point values are high, but be aware of the expiration policy
- A crackdown on junk fees
- Car insurance is usually required
- 3. Required minimum distributions
- 4. Be aware of limits
- What do U.S. passport status updates mean?
- 5. Big spenders can earn Hilton Honors™ Diamond Status
- Unlimited music streaming
- PCE vs. CPI
- Why The Amex EveryDay® Preferred Credit Card from American Express is better for most people
- What are the potential drawbacks of GoodRx?
- Cash reserves
- Factors that affect the cost of car insurance
- What to expect the stock market to return
- Inequitable financing persists
- Credit Karma
- 2. Dependents
- 2. Find and compare ETFs with screening tools
- 3. Set up balance alerts to stay on top of spending
- Does YouTube TV allow password sharing?
- 2. The Southwest card limits
- Purchasing prepaid cards with credit
- 3. Don’t ask for too much cash
- How do streaming services fit into your budget?
- Maintaining a healthy relationship with credit
- Other Frontier fees
- 1. Decide whether to go active or passive
- Healthy Paws coverage options
- Funding Circle
- Full Review
- Strategies to keep building your 720 credit score
- Indirect hits on investments
- 3. Go through the security checkpoint
- 4. Peer-to-peer lending
- 5. Student loan interest deduction
- Why is net worth important?
- 4. Find the right car for you
- Is minimum coverage cheaper for a used car?
- How long does a late payment stay on my credit report?
- 5. Prescription drugs
- 2. Choose an investment account
- Payment history
- Start with a budget
- 4. Check out dividend-paying stocks
- Alternatives to SBA loans
- 4. Host corporate events
- 4. There's a 0% period for transfers, but also a fee
- Your dollars could become more valuable
- How do Hilton points compare to other hotel programs?
- Other causes of pipe damage
- Leverage your earning power
- Goodbudget, for hands-on envelope budgeting
- 1. High-yield savings accounts
- Earned income tax credit 2024
- Can I have a 401(k) and an IRA?
- 7. Curate subscription boxes
- Conventional mortgages: As low as 3% down payment
- Local sales
- Medicare Parts A, B, C and D: What’s the difference?
- Contributions are tax-free
- How to buy a car on CarGurus
- Merchandise
- MailerLite: Best for frequent email sends
- Commodity stock risks
- Larger welcome offer
- Which issuers offer credit card locks?
- Pros and cons of non-dilutive funding
- Would you like cash back on your purchases?
- U.S. to Israel or Northern Africa for 53,000 miles in business class
- Planning for baby
- 7. Calculate your burn rate
- How term life insurance works
- 4. Cash out your 401(k)
- Northwestern Mutual customer complaints and satisfaction
- Should you refinance your student loans?
- Overspending is common, despite monthly budgeting
- 4. Consider your spouse
- Your bank may close your account after a bounced check
- The cheapest midsize car insurance company: American National
- How to use a dependent care FSA
- 5. Your purchase plans
- Where does lottery revenue go?
- Bond ETFs
- How to pay for a new deck
- How to pay self-employment tax
- How do you set up a lady bird deed?
- 4. Your account is available immediately upon approval
- Is the American Opportunity Tax Credit refundable?
- How are dividends taxed?
- Size
- About home equity lines of credit
- Which life insurance policy is right for me?
- 2. Create your envelope categories
- Few undergrad borrowers will see loans forgiven through IDR
- 3. Learn to use AI tools
- What is a tax exemption?
- Sage 50 Accounting security features
- Remember your CD’s maturity date
- Managing multiple billing cycles
- 4. Leave the Rolex at home
- When to estimate closing costs
- 1. Make sure you’re eligible to get an EIN online
- 2. Take a cut with affiliate marketing
- 3. Dollywood — if you love theme park shows and entertainment
- City of Lorain Non-profit Capital & Critical Improvement Fund (NCCIF) Program
- 2. You must have owned the home for at least two years
- Is rental car coverage primary or secondary?
- Home equity loan pros and cons
- How opening a new card can help your credit
- 5. Almost anyone can contribute to one
- Perks: Goodies for carrying the card
- Is a CMA right for me?
- Windstorm, named storm and hurricane deductibles
- Rules for refinancing jumbo loans
- Is it safe to transfer money by wire?
- Traditional bank loans
- Should you pay student loans during graduate school?
- ‘Hummer tax deduction’: Which vehicles does Section 179 cover?
- Travel bonus reward rates
- 2. GoSmallBiz
- 3. Affiliate marketing
- The lies told to auto insurers
- How to get a liquor license in all 50 states
- Other great card features to keep in mind
- How to get a business loan without collateral
- Step 5: Find the right location
- When is the next Powerball drawing?
- Prepare for bankruptcy court
- Citi Double Cash® Card
- 3. Arrive early to enjoy the lounge
- CD early withdrawal penalties at banks and credit unions
- November: Veterans Day
- Does the cost of FuboTV fit into your budget?
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- More about Midland National
- Whole Foods deals
- Other fuel cards to consider
- Protective customer complaints and satisfaction
- Documentation
- Pros
- It’s not only about taxes
- 3. What benefits come with elite status?
- What is a good business credit score?
- 3. Swagbucks
- LifeLock pros
- Reasons for unfreezing your credit
- 8. Take a loan from your retirement account
- More about these investment expenses
- 4. Project management
- Qualifying surviving spouse
- 3. Don’t use the money
- 3. Apple Pay Later
- How much should you spend on a mattress?
- Do tipped workers earn the minimum wage?
- Are there any issues with early direct deposit?
- National grant programs open to California businesses
- 3. The RealReal
- How to find an FHA Title 1 loan lender
- Where Trezor shines
- 3. Taking the standard deduction vs. itemizing
- How does a HELOC work?
- C
- Personal property coverage
- 6. Adoption credit
- The gym’s hours
- How long will it take to pre-qualify?
- 3. To keep miles from expiring
- Schedule C: Tips and tricks
- Choosing corporate tax status for your LLC
- 5. $300 a year in travel credit
- 5. You must keep your apples and oranges straight
- Frugal DIY project tips
- Rewards opportunities
- 4. Personal trainers
- When to make changes to the FAFSA form
- Asset allocation by age
- Types of REITs
- 5. The cell phone protection perk isn't too impressive
- MoneyGram
- 3. Prioritize your financial goals
- States that have estate taxes, inheritance taxes or both:
- EITC 2024
- See if promotional offers could offset the annual fee
- Home equity loan rates in 2023
- Step 3: Buy the gold ETF
- Pros and cons of invoice factoring
- FHA loans: As low as 3.5% down payment
- Account growth is tax-free
- How to make money as a Twitch Affiliate
- More robust rewards
- Deductibles
- 1. Making money
- 3. There's an upfront incentive, but it won't fund a shopping spree
- How fast does an authorized user build credit?
- Goodbudget
- Allow up to 50% of your income for needs
- What to ask before buying a used iPhone
- Women tend to be less confident, more anxious than men about investing
- Best car insurance in New Jersey for customer satisfaction: NJM
- Earning airline elite status
- What else will change for tax year 2024?
- Travel insurance for canceled flights
- Does YouTube TV offer offline viewing?
- How to invest in AI stocks
- Prime money market funds
- Personal loan calculator
- Fiji Airways A330 business class
- 4. Select a provider to open your Roth IRA
- What factors affect the amount you can borrow
- 1. Open an investment account
- 2. Solo 401(k)
- Accident-Only
- Best for comprehensive coverage: Cigna and Aetna (tie)
- The difference between tax exemptions, tax deductions and tax credits
- Sage 50 Accounting customer support
- 4. It earns rewards
- Timing credit applications with big future purchases
- 4. Take advantage of first-time home buyer programs
- Buying a used car without insurance
- Will making a partial payment keep me from being reported late?
- How to decide if group life insurance is right for you
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- How do I make sure coverage applies to my rental?
- 6. Long-term care
- 3. What are my all-in costs?
- Better ways to redeem Wyndham Rewards
- It can give you a better track record
- Track your spending
- Reasons to refinance
- 5. Home winter weatherproofing
- Find a car loan
- VA loan refinance eligibility
- Do I have to pay California state tax?
- Compare cards
- Which plumbing problems aren’t covered?
- A quick guide to popular and new tax credits for 2024
- Our pick for: High flat cash-back rate
- 2. Explain what your company does
- Example interest checking APYs at select institutions
- 5. Confirm that your money is federally insured.
- How to negotiate a credit card debt settlement yourself
- Pros
- Do pot stocks deserve a spot in your portfolio?
- How long does passport processing take?
- Size of the AC system
- CarGurus details and FAQs
- Free games
- When is the PCE released?
- Medicare Part D penalty calculator
- Appraisals
- Using card lock strategically
- 4. Carrying a balance is a big expense
- 8. Follow your favorite brands
- The importance of a direct 401(k) rollover
- Where Northwestern Mutual stands out
- How much could refinancing save you?
- What’s included on Form 1099-NEC?
- What to do if you bounce a check
- 4. Pay your bill before your issuer reports to the credit bureaus
- FICO score ranges
- International ETFs
- 3. EarnIn: Best for large advances
- Department of Education calls for an end to “forbearance steering”
- 9. Borrow against life insurance
- Brokerage fee
- Home equity loan or HELOC
- Tax deductions for self-employment
- 5. It’s one of several ways you can pay for medical expenses
- Step 3: Register your catering business and get an EIN
- Buying bundles: the Works and the Perks
- What states are increasing minimum wages in 2024?
- Payroll and sales
- Restrictions and waiting periods
- Grants.gov
- 3. Limit spending to the envelopes
- What is the standard deduction?
- Cigna
- Find a bank that suits your needs
- 7. Earned income tax credit
- Alternative ways to exercise
- 3. Bonds and bond index funds
- How to avoid false minibar charges in the first place
- How to increase your net worth
- 5. Use (and hide) your phone strategically
- What are the pros and cons of an FHA cash-out refinance?
- Montgomery County Economic Development/Government Equity Grant
- Expense ratios are just one fee investors pay
- 6. TSA PreCheck/Global Entry/NEXUS credit
- 2. Low-cost brokerage accounts for (nonretirement) financial goals
- Loan options for high-risk businesses
- Can you cancel a wire transfer?
- 3 excuses that keep you from making money investing
- Online lenders
- Revoking membership as a Choice Benefit option
- The benefits of compound interest
- Step 6: Get the appropriate licenses and permits
- 10 largest lottery jackpots
- Penalties for getting caught without insurance
- 4. Catch-up contributions
- Covering your spouse under your solo 401(k)
- What happens if I exceed my 401(k) limit by mistake?
- Another good time to buy appliances: After a new release
- 8. Create an airport-centric app
- Jumbo loans: As low as 5%-10% down payment (varies)
- What are maintenance requirements and margin calls?
- Next steps
- Withdrawals are tax-free
- More about Protective life insurance
- You travel often and need the perks
- How much do you travel?
- Other ways to build credit
- Is a robo-advisor right for you?
- Frequently asked questions about IRS IP PINs
- Dun & Bradstreet business credit scores
- Going over budget is nearly universal
- Why it’s the best
- 3. Tap your home equity for a loan or line of credit
- 3. Income
- Determine your annual FSA contribution
- 6. Your award redemption plan
- What are the lottery payout options?
- Tips for unfreezing your credit
- Buying items to earn rewards and then returning them
- What is the Lifetime Learning Credit?
- When do you have to pay taxes on stocks?
- Mattress-buying tips
- Contact your insurer
- 2. Calculate your budget
- Pay on time
- What you can do now
- 5. Online savings accounts
- What solution add-ons are available?
- 3. Don’t miss out on tax deductions for volunteering
- Step 3: Choose your lender and loan
- 5. Contact the seller or visit a dealership
- Insuring a classic or specialty car
- 2. Gather the necessary information
- How can I avoid late payments?
- What coverage is included?
- Get a credit-builder product or a secured loan
- 4. What are your qualifications?
- Reasons to get a personal loan vs. home equity loan
- Get more help with monthly budget planning
- Merchant cash advances
- Find ways to save
- Leverage credit cards
- Tax breaks for regular investors
- Closed School options for grants, military, private loans
- Equity REITs
- When a car payment doesn't fit your budget
- Service requirements
- How to convert Hilton points to dollars
- How to get a liquor license in Alabama
- Sewer backups and sump pump failure
- Watch out for capital gains taxes
- Types of life insurance trusts
- Why is the 10-year Treasury yield important?
- How to qualify for the earned income credit
- American Express Offers
- EarnIn: No-credit-check cash advances
- How much to keep in your savings account
- Best North Carolina car insurance for customer complaints: Auto-Owners
- 1. Consult an expert
- Cons
- Installation and labor: $75 to $250 per hour
- Clothes, vintage and crafts
- How does a Miller trust work?
- How much car insurance you need
- 4. You may get first dibs on merchandise ...
- U.S. to Mexico for 14,500 miles in economy on Delta or Aeromexico
- How to protect yourself from discriminatory financing
- Additional functionality
- What do I do if I lose my IP PIN?
- Financial planning beyond infancy: College and life insurance
- 5. Investigate divorced spouse benefits
- Get a credit-builder product or a secured loan
- LifeLock cons
- Gift tax exclusion
- Last-minute flight change eligibility
- Does YouTube TV fit in my budget?
- 3. The Rapid Rewards earning structure
- 10. Use a credit card cash advance
- 5. Data storage
- Money market mutual funds vs. money market accounts
- 4. Consider a co-signer
- Benefits of a SIMPLE IRA
- How has the Marriott points value changed over time?
- 4. Take advantage of government incentives
- 2. Choose your investments
- America’s Seed Fund
- Home equity lines of credit pros and cons
- Bluevine
- Should I file taxes now or wait for the child tax credit expansion?
- Preventive Care
- E
- 8. Charitable donation deduction
- Potential impact of multiple credit cards on your credit scores
- 1. Decline minibar access at check-in
- What do closing costs include?
- 4. Busch Gardens Williamsburg — if you love Epcot
- 4. You cannot have claimed the home sale capital gains exclusion recently
- It gives you more room on credit cards
- 7. Extra points on Lyft rides
- 6. Home cleaning business
- When are New York state income taxes due?
- Drivers are inflating insurance claims
- 4. Choose the best retirement plan for you
- Tax credits for people with kids
- 4. Don’t let those points go unused for long
- If everyone hates Airbnb cleaning fees, why still charge them?
- If you want to fly Cathay Pacific first class
- 3. Describe your ideal customer
- Customer experience
- 9. Become a destination wedding planner
- Your employer can contribute
- Prime Day and Prime Early Access
- Subscriptions
- What are fleet cards?
- 4. How many points do you earn?
- Where Northwestern Mutual falls short
- How do you file a Form 1099-NEC?
- Health care FSA
- 3. Place the trade
- Gift tax limit 2023
- The lottery annuity option
- VantageScore ranges
- Bitcoin or crypto ETFs
- Benefits for employers
- Alternatives to a lady bird deed
- What pet insurance pays for
- How the Lifetime Learning Credit works
- How much liability coverage you need
- How can I qualify to borrow more?
- Prior claims
- 4. Grailed
- Where Trezor falls short
- Spaces to work
- Use credit lightly
- How do I access a HELOC?
- Grace periods at some banks
- 5. No upgrade path
- 6. Dress appropriately for the culture
- National grant programs available to Ohio small businesses
- What isn't covered?
- 4. If there’s a great bonus on purchased miles
- 7. Overseas health care
- What is the stock market doing today?
- Best homeowners insurance in Texas for consumer experience: Nationwide
- 6. Don’t sell your losers just to get the tax break
- 1. 'I’ll wait until the stock market is safe to invest.'
- 5. Newborn and post-pregnancy services
- How to update tax information on the FAFSA
- Mortgage REITs
- Wise
- Does Section 179 cover real estate?
- Restaurant rewards
- Credit score for VA refinance
- 4. Sponsored content
- 4. It’s a great deal for Ulta salon clients …
- Educate yourself — and your kids — about money
- Ways to get the best home equity loan rates
- If you have insurance, but no proof
- How to open a solo 401(k)
- Invoice factoring vs. invoice financing
- Poshmark
- Moosend: Best for seasonal or occasional senders
- More bonus points for loyalty
- Privacy
- Pros and cons of jumbo loans
- 5. The free rewards program is the bigger win
- Do you mind paying an annual fee?
- Price
- Leave 30% of your income for wants
- 9. Try out generic labels
- 4. Fiverr
- What to consider about equity compensation plans
- Estate tax exclusion
- Who should use student loan forbearance?
- How to find AI ETFs
- 11. Look for a payday alternative loan
- Step 4: Get all licenses and clearances needed to start a catering business
- Average CD rates: 2010-2024
- Healthy Paws pet insurance rates
- WomensNet Grants
- How much life insurance should I buy?
- The pros
- The Department of Education is implementing income-driven repayment fixes
- Expect an emotional response
- What does 'itemize' mean?
- What to expect when you open your new account
- 9. Medical expenses deduction
- Your credit utilization
- 4. Keep the deadline in mind
- Your motivation
- 2. Be cautious around sensor-equipped minibars
- 5. Shop around with multiple lenders
- 3. Land a brand deal and make sponsored content
- 5. You cannot have bought the house through a like-kind exchange
- 5. How will our relationship work?
- LLC payroll taxes
- It can create credit diversity
- 8. DoorDash discounts
- Frugal home expenses tips
- Look for promotions
- Fly Delta One to mainland Europe via Virgin Atlantic Flying Club
- Asset allocation by risk tolerance
- 4 ways to start investing
- What is California's standard deduction?
- How to get a liquor license in Alaska
- Revocable life insurance trusts
- Costs
- Step 7: Register for taxes and obtain an EIN
- 5. Watch out for the interest rate
- Competitive opportunities
- Understand your crypto storage
- 5. Education savings and loan debt
- Average certificate of deposit rate: 1.81% for one-year CDs
- 3 appliance-buying tips
- 10. Make local guides
- Virtual cheers
- When a general travel credit card is a better fit
- Can I file my taxes without an IP PIN?
- How permanent life insurance works
- Equifax business credit scores
- Is it safe to buy a used phone?
- Americans perceive investing advantages, disadvantages for women
- Best car insurance in New Jersey for ease of use: State Farm
- Best for emergency medical coverage: Allianz Global Assistance
- 5. Monitor your total credit utilization
- 7. What perks come with the card
- How to freeze your child’s credit
- Married filing jointly
- Benefits for employees
- 4. Alert authorities to fraud
- Deductibles, limits and payouts
- How did we determine the value of Marriott Bonvoy points?
- Getting your Frontier baggage and other fees waived
- Minimum wage increases
- Coverage and deductibles
- How quickly could the IRS implement the child tax credit expansion?
- Apply for credit sparingly
- How much does a HELOC cost?
- 4. Take surveys for money
- More from Sage
- Loss of use coverage
- 4. Real estate investment trusts (REITs)
- How to get the PSLF waiver
- 3. Submit your application and wait
- Grants.gov
- What vehicle rentals are excluded?
- More about investment fees
- How to find a job
- Invoice financing
- State tuition recovery funds
- Cutting back on entry for international flights
- Do I have to pay New York state income tax?
- Flooding
- 3 ways to avoid inheritance tax
- 2. Certificates of deposit
- Are 10-year Treasury notes a good investment?
- Alternatives to savings accounts
- Become a marijuana stock investor
- Benefits of a larger down payment
- If you haven’t received your passport
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Ruby Lane
- Disadvantages of HSAs
- Free unlimited photo storage with Amazon Photos
- How do fleet cards work?
- Pros
- 5. ... But you won't want to carry a balance
- Money regrets
- Pros and cons of a 401(k) rollover into an IRA
- More about Northwestern Mutual
- Holding on to the budgetary reins
- 6. Add your minor child
- 4. Tax deductions
- Cheapest car insurance after a speeding ticket: State Farm
- Dependent care FSA
- HSAs and FSAs
- Sending payments to friends
- Stock trading fee
- Too many tools?
- How to choose a money market fund
- Personal loan
- Who can claim the Lifetime Learning Credit?
- 4. Klarna
- What is net investment income tax?
- Shop around
- How much does it cost to invest in the S&P 500?
- National Association for the Self-Employed (NASE) grant
- Which is better when?
- Bathrooms — with showers
- F
- Be prepared for your CD’s maturity
- 10. Deduction for state and local taxes
- 6. Inspect and test-drive the car, if applicable
- 7. Buy a local SIM card to avoid high roaming costs
- No-closing-cost mortgages
- 6. You cannot be subject to expatriate tax
- What credit card should you use?
- 3. Index funds and ETFs
- 7. Put the cash from the sale to good use
- Use designated accounts for spending and savings
- Maximize elite status
- 2. 'I’ll buy back in next week when it’s lower.'
- 7. Fitness instructor/personal trainer
- Hybrid REITs
- States with the highest padded-claims costs
- Best North Carolina car insurance for ease of use: State Farm
- 2. Figure out whom and how much you owe
- 1. Buy on your own terms
- CarGurus CarOffer review
- Game sales
- Recourse if you need a refund
- What credit card rewards are right for you?
- Ready to get started?
- Mainland U.S. to Hawaii for 17,500 miles in economy on Delta
- Your money management style
- What other ways can I protect my identity?
- 10. Use credit cards strategically
- Why it’s the best
- The cash option
- What factors impact your credit scores?
- Sector ETFs
- 4. Varo: Best for existing bank customers
- Which American Airlines flights can be changed online
- 12. Get a personal loan
- See what’s available in your brokerage account
- Drawbacks of SIMPLE IRA plans
- 5. Pick a purchase method that works for you
- 5. Gather your paperwork
- What is the median household income in the U.S.?
- The details
- OnDeck
- Keep credit cards open
- 2. Find the right location for your vending machine
- 6. High-yield checking accounts
- Your payment history
- 6. Consider alternative types of mortgages
- Step 4: Gather loan documents
- The right savings rate
- Program for Investors in Microentrepreneurs
- How long will the rental be covered?
- 6. What's your investment philosophy?
- What is stock market volatility?
- Before you apply for a credit card
- 9. No foreign transaction fees
- 6. Enrichment activities for children
- What if you don’t qualify for Section 179?
- Redemption value
- 1. Individual stocks
- Debt-to-income requirements
- How to get a liquor license in Arizona
- Step 8: Brand your cupcake business
- How much can you borrow with a home equity loan?
- 4. Define your core values
- Reasons to get a credit card
- 11. Create a local grocery delivery service
- You must have a high-deductible health plan
- Amazon Elements
- You are a budget-conscious traveler
- Cash-back rewards
- Why some cars cost more to insure
- What are online planning services?
- Why you might roll a 401(k) into an IRA
- How to maximize your rewards
- 4. Borrow from your 401(k)
- FSA balances will expire
- Gift tax limit 2024
- 5. Use collateral to secure the loan
- 3. Decide where to buy mutual funds
- If you are investing in an S&P 500 index fund:
- Program for Investors in Microentrepreneurs
- Requirements: Who qualifies for the child tax credit?
- HELOC requirements
- Close your old account, if needed
- 11. Mortgage interest deduction
- Claiming tax-deductible donations on your tax return
- Trial periods
- 3. Ditch hotels with minibars (or book hotels with free minibars)
- Compare car insurance rates for 35-year-olds
- 5. Disneyland Paris or Disneyland Tokyo — if you still want the Disney experience
- Use a co-signer
- Other financing options
- Full list of the best home insurance companies in Texas
- Short-term loans
- Make a plan to pay off debt
- Asset allocation calculator
- Other options
- What part of my income gets taxed by California?
- Irrevocable life insurance trusts (ILITs)
- EveryDollar, for simple zero-based budgeting
- Chase Offers
- 6. Saver's tax credit
- How much should you put down on a house?
- 3 tips to control central air conditioning installation costs
- Etsy
- Bonus features
- Do you get a new IP PIN every year?
- Commit 20% of your income to savings and debt paydown
- 11. Establish your local supermarket circuit
- Experian business credit scores
- What you can do: Take steps to avoid overspending
- Use a co-signer
- When is Form 1099-NEC due?
- 4. Sit back and relax
- Earned Income tax credit
- 4. The value of Southwest points
- Understand basic economy vs. regular economy
- Step 5: Determine your pricing
- Fees across U.S. airlines
- How to avoid getting your car stolen
- How to lower the cost of your business insurance
- The cons
- 5. Vestiaire Collective
- Check your credit reports
- 4. Keep an eye on popular tax deductions and credits
- Your credit age
- What do I need for my loan application?
- Do you ever need to change your EIN?
- 4. Sell some merch
- America’s Seed Fund
- What if I don’t have personal auto insurance?
- 3. Learn the difference between investing in stocks and funds
- 10. Airport lounge access
- Other things to keep in mind
- 3. 'I’m bored of this stock, so I’m selling.'
- Tips to run an effective seasonal business
- Publicly-traded REITs
- 2. Mutual funds
- 3. Enloop
- The key to making money from blogging
- Maintenance or general wear and tear
- 5. ... But beware the ugly interest rate
- Some helpful links from the IRS
- How do you buy 10-year Treasury notes?
- Who counts as a qualifying child for the earned income credit?
- Afterpay: No-credit-check buy now, pay later loans
- 3. Know your budget
- 2. Compare prices
- 12. Start a virtual event planning company
- 1. Examine your cooling needs
- Other risks of margin trading
- Amazon Family
- How to make money as a Twitch Partner
- Cons
- 7. Suspend your benefit
- The bottom line
- How to book a codeshare flight
- Leveraged ETFs
- When should you freeze your credit?
- 13. Rent out a room
- Decide which type of money market fund is right for you
- Cash-out refinance
- Need more auto liability insurance? Grab an umbrella
- How to pay lower taxes when selling stocks
- If you are investing in an S&P 500 ETF:
- What Trezor is best for
- What’s not covered
- Liability coverage
- 12. Gambling loss deduction
- Questions to ask before signing up for a gym membership
- Why you might prefer the Capital One Venture X Rewards Credit Card
- Equipment financing
- Capital loss deduction
- How much is hurricane insurance?
- The best way to enter Delta Sky Clubs now
- Other VA refinance requirements
- What is New York state's standard deduction?
- Deaths and driving distractions
- 3. Bonds
- Citi® Diamond Preferred® Card
- Next steps
- Campaigner: Best advanced email marketing features
- Who might prefer the Amex EveryDay® Credit Card
- Account linking
- 12. Consider a wholesale membership
- 5. Upwork
- Full list of the best car insurance in New Jersey
- How the lifetime gift tax exclusion works
- Could we be in an AI bubble?
- Is solar panel installation right for your home?
- The bottom line
- 1. Think long term versus short term
- FedEx Small Business Grant Contest
- How much do life insurance policies cost?
- Pay strategically
- How to get a home equity line of credit
- Aetna
- WANT TSA PRECHECK FOR FREE?
- 5. Make money from your blog with affiliate links
- 5. Money market funds
- Coping with faulty hotel minibar charges
- 7. Determine which warranties are right for you
- The magic of compound growth
- 8. Join solo female traveler Facebook groups
- WomensNet Grants
- Calculating capital gains tax on a home sale
- How does coverage vary for international rentals?
- 7. What asset allocation will you use?
- LLC self-employment taxes
- 4. Help from robo-advisors
- 7. Mobile apps and entertainment for children
- 1. Think outside of the box.
- Shortcuts to asset allocation
- How to get a liquor license in Arkansas
- Step 9: Separate your business finances
- Home equity loan requirements
- 7. Hardship withdrawals
- Full list of the best car insurance companies in North Carolina
- Example CD APYs at select institutions
- 3. Have funds ready
- How to track your passport status, recapped
- 2. Time it right
- Electronics
- Pros and Cons
- No annual fee
- Fleet expense management tools
- Predictability
- You are strategic with rewards
- 2. Managing money
- Travel rewards
- Generational beliefs about finances differ
- 5. Tax credits
- Cheapest car insurance after an accident: State Farm
- How much are lottery winnings taxed?
- Airline loyalty programs
- How to rebook your American Airlines flight for a cheaper fare
- Bonus: The '15/3' credit score hack
- What’s covered and what’s not
- Food and drink
- 6. Pick your investments
- High-yield CD rates: 2018-2024
- If you are investing in a stock within the S&P 500 index:
- Discounts
- G
- 13. IRA contributions deduction
- Seller-paid closing costs
- The bottom line
- Become an authorized user
- How do you invest in the stock market?
- How much does homeowners insurance cost in Texas?
- 11. Luxury hotel benefits
- Online loans
- Develop good credit habits
- Using Aeromexico for certain domestic flights
- Public non-traded REITs
- Am I a resident for California state tax purposes?
- 5. Select your retirement investments
- Government bonds
- Do you pay tax on T-notes?
- BankAmeriDeals
- Our pick for: Ultra-long 0% APR period
- 5. Revise and condense your mission statement
- 13. Sell zero-waste products
- Swappa, Gazelle
- 5. Can you transfer miles and points to ALL?
- Why do I need a business credit score?
- Why you might not want to roll a 401(k) to an IRA
- Become an authorized user
- Do I still need to file a Form 1099-MISC?
- Winner: Virgin Atlantic
- Mutual fund transaction fee
- 6. Find the right lender
- Credit card
- Is the Lifetime Learning Credit refundable?
- 5. PayPal
- 2. Look into tax-loss harvesting
- 3. SEP IRA
- Fundbox
- Who benefits from the cash stuffing envelope system
- Trezor at a glance
- How to get into the Emirates Lounge at SFO
- Additional child tax credit
- Compare the same score
- Choosing between cards? Rewards and perks might make the difference
- 5. Offer memberships
- Bonus pick: Consider a Disney Cruise
- Working from hotel rooms can be feasible
- Travel credits
- 3. Index funds
- Benefits of refinancing
- Resident status rules
- Should you file a claim for plumbing problems?
- Can I claim the EITC without a child?
- Where to find the best savings accounts
- Other considerations to determine your down payment
- 3. Look for equipment rebates and tax credits
- Sharing a Prime membership Using Amazon Household
- Jumbo loans and conforming loan limits
- How to save on car insurance
- Security
- 8. Use a do-over
- Codeshare flights, recapped
- 5. Dave: Best for repayment flexibility
- Cons of a credit freeze
- 1. Visit American's homepage or log into your account
- 14. Moonlight as a dog sitter
- Married filing separately
- Is a SIMPLE IRA right for me?
- Step 6: Hire, train, and outfit your staff
- Top 20 performers in the S&P 500 index
- State availability
- Steps in the small-business grants process
- Borrowers with high forgiveness amounts accrue more in interest and face high tax bills
- 14. 401(k) contributions deduction
- How to save money on a gym membership
- Interest-based passive income ideas
- What if you lose your EIN?
- Kitty Fund Mompreneur Business Grant
- What is the procedure for filing a claim?
- 12. Cardholder hotline
- Secured loans
- 8. Shared accessories and attire
- 2. Look deeper into your niche.
- Am I a resident for New York state income tax purposes?
- How to get a liquor license in California
- Which type of life insurance should I put in a trust?
- Tax credits for low-to-middle-income households
- Next Steps
- 1. Automate transfers
- Costs of carrying a credit card
- Average money market account rate: 0.67%
- 4. Get organized
- 14. Make products for pets
- Fleet fuel cards: benefits and drawbacks
- 13. Look at the price per unit
- Baby boomers keep income details to themselves
- How to maximize your rewards
- How to maximize your rewards
- Methodology
- Why you can trust NerdWallet
- 5. Enter a debt management plan
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- How do ETFs work?
- 5. How to earn a Southwest Companion Pass
- Check yields, fees and expense ratios
- How much does liability insurance cost?
- 5. Know what tax records to keep
- How much can you borrow with a HELOC?
- ASPCA coverage options
- Medical payments coverage
- Charitable deductions 2023
- Step 5: Submit your application and get funded
- Finally, enjoy your travels
- LLC sales taxes
- Tax-loss harvesting rules
- Step 10: Secure business funding
- Are home equity loans a good idea?
- 8. Emergency savings
- How to finance central air installation
- More attainable bonus rewards
- Find local conforming loan limits
- Know your options
- How much effort are you willing to put in?
- How do I get my business credit score?
- 6. Payments
- Factors that don’t affect your credit scores
- 15. Become a rideshare or delivery driver
- Contractor financing
- American Opportunity Tax Credit vs. Lifetime Learning Credit
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- 4. Understand mutual fund fees
- Identify grants that are suited to your business
- Other ways to sell clothes online
- Full details about Trezor's ratings
- Smaller-impact things to know
- 6. Sell your wares on Etsy
- Get a referral
- 8. Negotiate the best price
- Military Entrepreneur Challenge
- Personal loans
- Invest in your financial future
- Tips for buying hurricane coverage
- Private REITs
- How to get a liquor license in Colorado
- How to claim the earned income tax credit
- Special bonus rewards and statement credits
- Mission statement examples
- 15. Create custom clothing
- How to sell a car to CarGurus CarOffer
- Customer support
- 2023-2024 lifetime gift tax exemption
- Consumer experience
- Deductibles
- 15. Saver’s credit
- 6. High-yield savings accounts
- Cards with primary coverage
- 8. What investment benchmarks do you use?
- Average cost of homeowners insurance in Texas by city
- Protections: Peace-of-mind benefits
- Wash sale rules
- 3. Be flexible.
- Example money market account APYs at select institutions
- Home equity loan
- iContact: Best custom design options
- Longer 0% intro APR period on purchases
- Benefits
- Pharmacy choice
- Ways to get the best jumbo mortgage rates
- 6. Where else can you redeem points?
- Thoughts on tipping and fees
- How to maximize your rewards
- 6. OfferUp
- Credit freeze or credit lock?
- 16. Cut your insurance premiums
- Fora Financial
- Piggyback on someone else’s membership
- How much money can you make on YouTube?
- Will you owe capital gains taxes on your home sale?
- Equity financing
- Resident status rules
- Part-year resident status rules
- The consequences: Weaving and crashing
- How to get a liquor license in Connecticut
- How to prevent plumbing problems
- Avoid entrepreneurial pitfalls
- Empower Personal Dashboard, for tracking wealth and spending
- 2. Count your coins and bills
- What is a no-credit-check loan?
- Handle with care
- Is Amazon Prime worth it?
- Cheapest car insurance after a DUI: Progressive
- What to do if you win the lottery
- How to improve your credit
- 2. Start the flight change
- 6. The valuable extra benefits
- Should you invest in AI stocks?
- Expense ratios
- The cost of veterinary care
- 4. Call in a pro
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- Confirm grant details
- The details
- Borrowers with high incomes will pay off high debt before forgiveness
- How to claim the child tax credit in 2024
- Reimbursement amounts
- 4. Find your gate
- H
- 16. Health savings account contributions deduction
- Free resources for Ohio small businesses
- 4. Set a budget for your stock market investment
- If you're looking to save miles on Delta flights
- What’s next?
- VA refinance fees
- Step 11: Master your recipes
- 16. Sell vintage clothing online
- Drawbacks
- User experience
- Home rentals via Onefinestay
- 14. Understand sale cycles
- How long should you hold on to an income tax return?
- 6. MoneyLion: Best for existing customers
- Education tax forms
- 6. Sezzle
- What happens to a 720 score with a late payment?
- Use employee benefits
- Tax-efficient strategies
- Which card should you get?
- Get credit for the bills you pay
- LLC tax forms and deadlines
- Shopping protections
- Peer-to-peer (P2P) lending
- Cost basis calculations
- 3. Make the most of your savings
- 9. Shared home improvement equipment
- How to prepare your business for winter
- Pros of investing in REIT stocks
- Growing (and improving) the Delta Sky Club Lounge network
- How to get a liquor license in Delaware
- Check for leaks
- Alternative cards
- What credit card are you likely to qualify for?
- Get credit for the bills you pay
- Who can access your frozen credit reports?
- Important considerations when opening a Roth IRA
- Compare top-rated life insurance companies
- How to sell clothes online
- Coverage limits
- Honorable mention: Wellcare
- 3. Find your vending machine
- 7. Self-publish an e-book
- 17. Self-employment expenses deduction
- 9. Maximize trade-in value, if applicable
- Ohio Small Business Development Centers (SBDC)
- How to avoid capital gains tax on home sales
- American Express add-on coverage
- 9. Who is your custodian?
- Next steps
- The cheapest home insurance in Texas
- 13. Purchase protection
- 4. Bizplan
- Tax credits for investing in retirement
- Corporate bonds
- Consequences of an EIC-related error
- 3. Prep for grocery shopping
- Ask for a product change to a no-annual-fee card
- The bottom line
- Tips for effective credit card use
- 5. Make the call
- 17. Begin niche blogging
- Home equity line of credit
- Fuel card vs. business gas credit card
- Know your credit score
- Reviews
- What is credit card consolidation?
- 17. Consolidate your debt
- Step 7: Market during your own events
- Choose CDs based on your goals
- Prepare and submit applications
- What this means for borrowers
- 6. Tweak your W-4
- J
- What homeowners insurance won't cover
- Look for offers
- 7. CDs
- Other ways to save on your theme park vacation
- 1. Live in the house for at least two years
- Be prepared
- 4. Exchange-traded funds
- Nonresident status rules
- How to get a liquor license in Florida
- Keep drains moving
- Step 12: Get social
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- The difference between interest rate and APY
- Airlines
- Baby boomers feeling pinched
- What is the difference between a tax return and a tax refund?
- How much is the gift tax rate?
- 8. Whether Capital One miles expire
- ETF creation and redemption
- Alternative lending best practices
- Freshen up your merchandise
- Emirates Lounge day passes
- Is getting a HELOC a good idea?
- 5. Wait at the gate
- 18. Home office deduction
- Compare car insurance rates by driver history
- SCORE
- 14. Return protection
- Cons of investing in REIT stocks
- Airport lounge access
- Citi Rewards+® Card
- Which card should you get?
- Additional help
- After deciding
- 7. Poshmark
- How can I check and monitor my credit?
- Extra fees
- 7. The wait
- Book with points and miles if it’s a good deal
- Are there drawbacks to investing in the S&P 500?
- Healthy Paws vs. competitors
- When to expect your child tax credit refund
- Earn an audience, and earn more in the long run
- 2. See whether you qualify for an exception
- 10. What tax hit do I face if I invest with you?
- Save
- Part-year resident status rules
- How to get a liquor license in Georgia
- Soft vs. hard credit inquiry
- 18. Become an e-book writer
- Is consolidating credit card debt a good idea?
- Best for those who pack expensive equipment: Travel Insured International
- How to claim lottery winnings
- Winner: Virgin Atlantic
- 18. Refinance your student loans
- Single
- 5. Manage your portfolio
- Consider backup funding options
- 4. SIMPLE IRA
- Pros
- K
- 19. Educator expenses deduction
- Ask about special discounts
- Property-based passive income ideas
- 10. Make the purchase
- Minority Business Assistance Centers
- It pays to know
- 15. Extended warranty
- 10. Vacation rentals
- Find and fix your business's vulnerabilities
- Act quickly
- Our pick for: A sign-up bonus and rounded-up rewards
- Cash-out refinance
- CarGurus CarOffer details and FAQs
- What to look for in email marketing software
- If necessary, work to rebuild your credit
- Rental cars and train rides
- Life insurance basics: Terminology, coverage needs and cost
- Cheapest auto insurance for poor credit: Geico
- If you're considering the Capital One Venture Rewards Credit Card
- 7. SoLo Funds: Best for peer-to-peer cash advances
- 3. Review and select new flights
- Overall diversification
- Healthy Paws vs. Trupanion
- Find the best life insurance policy for you
- Take clear photos
- Restrictions and waiting periods
- 8. Get advertising revenue from your blog or YouTube channel
- 3. Keep the receipts for your home improvements
- Practice good credit habits
- LLC tax tips for business owners
- 5. Focus on investing for the long-term
- What to know about Texas homeowners insurance
- Investing in REITs: How to get started
- Practical matters
- Tax credits for education
- The bottom line
- Can I still get a past year's earned income tax credit?
- What you can do: Find ways to save, even when times are tight
- Practice good credit habits
- When are tax returns due to the IRS?
- What are the largest lottery jackpots ever?
- How much do ETFs cost?
- 19. Change your cell phone plan
- Sales load
- Alternatives to pet insurance
- Step 8: Get funding
- 7. Zip
- Is alternative lending right for my business?
- Is the Emirates Lounge SFO worth it?
- Cons
- Best for low-cost plans: Humana
- Expand your coverage with endorsements
- 20. Solar tax credit
- Types of FIRE
- If you love Disney but can’t always afford it, you have alternatives
- Tips when applying for small-business grants
- Travel protections
- Addressing airport lounge crowds
- Hotel status
- How to get a liquor license in Hawaii
- Turn to technology
- 4. Minimize restaurant spending
- Consider if you will be able to get the card back
- 19. Start ghostwriting
- 3. Building a budget
- Common life insurance terminology
- How to avoid gift tax
- If you're considering applying for a Southwest credit card
- Consequences of a child tax credit error
- 7. Tax strategies to shelter income or cut your tax bill
- L
- 8. Buy a rental property
- Compare car insurance rates for drivers with a DUI
- Other ways to make money
- Confirm the grant is available
- More from NerdWallet
- Hurricanes
- 16. Rental car coverage
- Invest
- 11. Electronics repair
- Nonresident status rules
- California state tax credits
- 4. Money market funds
- No-credit-check loan example
- 6. Get the agreement in writing
- Cost
- Does your business need a fleet fuel card?
- Limitless Experiences
- Avoid risky loans
- Self-funding
- Fiji Airways service
- Mutual fund types
- Write an honest description
- 4. Explore your financing options
- 21. Energy efficient home improvement tax credit
- How taxes on real estate, rental, and investment sales work
- How to get a liquor license in Idaho
- PocketGuard, for a simplified budgeting snapshot
- 2020-2022 earned income credit amounts
- How the FDIC calculates national rates
- 20. Become a resume writer
- Personal loan
- How to maximize your rewards
- Gifting large sums of money to family
- Understanding life insurance quotes
- Put money in a 401(k)
- ASPCA pet insurance rates
- UNLOCK AIRPORT LOUNGES WITH THE RIGHT CARD
- Lean FIRE
- Be aware of key dates
- 17. Trip cancellation or interruption insurance
- Transfer partners
- Keep pipes from freezing
- Templates and tools
- ETFs vs. mutual funds vs. stocks
- A closer look at the best way to buy flight tickets
- Stock (equity) funds
- The details
- Is it better to get a home equity loan or line of credit?
- 22. Electric vehicle tax credit
- 9. Rent out your own house
- 6. Manage your stock portfolio
- California earned income tax credit (CalEITC)
- 5. Get discounts on entertainment
- 21. Open a coworking space
- Who needs life insurance?
- The 10 largest lottery jackpots
- 8. Klover: Best for no-fee advances
- Healthy Paws vs. Pets Best
- How to compare life insurance quotes
- Price clothes to sell
- State child tax credits
- 9. Become an Instagram influencer
- Review eligibility requirements
- Pay off debt
- Make a plan and stick to it
- How to get a liquor license in Illinois
- 7. Honor the settlement agreement
- Email campaigns
- Dining
- Paying for vacations, cars or other stuff
- ETFs vs. mutual funds
- Financial assistance
- Stock (value) funds
- Fat FIRE
- Is there an over-55 home sale exemption?
- Check your credit scores and reports
- 18. Trip delay reimbursement
- 5. PlanGuru
- California young child tax credit (YCTC)
- More about the pros
- Things to consider about loans with no credit check
- 4. Saving money
- Check your credit scores and reports
- Life insurance quotes vs. rates
- Put money in an IRA
- 10. Get a roommate
- Hail
- 12. Academics courses
- NYC income tax rates
- How to get a liquor license in Indiana
- Tax credits for green purchases
- 5. Mutual funds
- 6. Map out major purchases
- Will closing the card leave you with "orphan" miles?
- 22. Become an online coach
- Forms and landing pages
- 7. Do Accor Live Limitless points expire?
- Best for adventurous travelers: World Nomads
- Laid-back loans
- Management or advisory fees
- Other business class amenities
- Step 9: Plan for emergencies — both financial and others
- Compare buy now, pay later apps
- Balanced funds
- Other details you should know about Trezor
- What is the $500 credit for other dependents (ODC)?
- What to do if you can’t keep up with your HELOC payments
- 6. Board the airplane
- M
- Barista FIRE
- Consider funding alternatives
- 19. Lost luggage reimbursement
- Card ecosystem
- California child and dependent care tax credit
- In-flight experience
- 4. Confirm your flight change
- More resources
- So, is pet insurance worth it?
- In-flight entertainment
- What are tax deductions?
- Alternative investment passive income ideas
- Best stocks for beginners
- Repeat
- How to get a liquor license in Iowa
- 23. Flip failing websites
- Performance reports and analytics
- Is Accor Live Limitless worth it?
- Cheapest car insurance for young drivers: Geico
- Joint bank accounts
- Winner: Virgin Atlantic
- ETFs vs. stocks
- Should you use a buy now, pay later app?
- Blended funds
- Child tax credit vs. child and dependent care credit
- Discounts
- 10. Monetize your Twitch channel
- 20. Medical emergencies during travel
- Create a continuity plan
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- California adoption cost tax credit
- How much life insurance do you need?
- Healthy Paws vs. Nationwide
- 5. Defined benefit plan
- Is Trezor right for you?
- Compare Medicare Advantage dental insurance
- Limitations of FIRE
- Tornadoes
- 13. Language courses
- NYC tax rate schedule
- How to get a liquor license in Kansas
- 7. Restrict online shopping
- The bottom line
- 24. Become a web developer
- Customer support
- Pros and cons of loan apps
- Bond (fixed-income) funds
- State availability
- 11. Peer-to-peer lending
- What's next?
- California nonrefundable renters tax credit
- 6. Index funds
- Pros
- How much does Medicare Advantage dental coverage cost?
- 5. Stock your vending machine with inventory
- N
- Does homeowners insurance cover ... ?
- Above-the-line deductions
- How to get a liquor license in Kentucky
- Honeydue, for budgeting with a partner
- 25. Start a podcast
- No free Wi-Fi
- Money market funds
- How we review crypto wallets
- Open a 529 account
- 7. Retrieve your luggage
- Wildfires
- Be ready, be set, be safe
- How to shop for no-credit-check loans
- How life insurance is priced
- Pros
- 5. Find your flight credit
- How to start a catering business: The bottom line
- Consumer experience
- Below-the-line deductions
- The bottom line on investing in stocks
- 4. Be persistent
- How to get a liquor license in Louisiana
- 8. Delay purchases with the 30-day rule
- 26. Be a social media influencer
- 401(k) fees
- 11. Sell your photography
- 12. Private equity
- Next steps
- Compare auto insurance rates for drivers with poor credit
- 14. Business or marketing courses
- Credit required
- How to track your California state refund
- Skin care
- Cons
- How do mutual fund profits work?
- The details
- What if you have Original Medicare?
- Texas Department of Insurance
- The bottom line
- 6 things to know about New York state income tax
- How to get a liquor license in Maine
- Best for medical coverage: Travelex Insurance Services
- Cheapest car insurance for senior drivers: State Farm
- British Airways vs. Virgin Atlantic winner
- How to find the right ETFs for your portfolio
- How to find cheap American Airlines flights
- The bottom line
- Fund your flexible spending account (FSA)
- 6. Make the right investments
- P
- Types of homeowners insurance policies
- What are tax write-offs?
- What to look for in business plan software
- 9. Get creative with gifts
- No-credit-check loan alternatives
- 27. Create online courses
- Cons
- 1. Dividend payments
- 8. Exit the airport and enjoy your trip
- How to get a liquor license in Maryland
- Online loans
- How to shop for Medicare Advantage plans
- Most popular: HO-3 insurance
- Looking for more insurance in Texas?
- 15. Personal wellness
- Overseas acceptance
- 28. Become a marketing consultant
- 2. Capital gains
- Use dependent care flexible spending accounts (DCFSAs)
- 13. Crypto staking
- California state sales tax
- How to get a liquor license in Massachusetts
- How to maximize your rewards
- Fiji Airways lounge at LAX
- Alternatives to buy now, pay later
- How we review pet insurance
- Where to open a retirement plan if you’re self-employed
- ASPCA vs. competitors
- How to make money from home
- Budgeting resources from NerdWallet
- 10. Lower your car costs
- Co-signed or joint loans
- 3. Net asset value
- Who might prefer AmEx Platinum over Chase Sapphire Reserve
- 7. Exchange-traded funds
- 29. Develop an app
- How to invest in ETFs
- Are cash advance apps payday lenders?
- Maximize health savings accounts (HSAs)
- ASPCA vs. Nationwide pet insurance
- 12. Become a dog walker with Rover or Wag
- Broadest coverage: HO-5 insurance
- How do you claim tax deductions?
- How to get a liquor license in Michigan
- 5. Maximizing your credit cards
- Cheapest car insurance by state
- Mutual funds vs. ETFs vs. stocks
- 16. Courses in hobbies or interests
- The bottom line
- 5 things to know about California state tax
- 11. Reduce your gas usage
- Secured loans
- 1. Open a brokerage account
- Getting cheap AA flights when rebooking recapped
- S
- How to get a liquor license in Minnesota
- 30. Make a smart appliance
- Product creation passive income ideas
- Are apps like DailyPay and Payactiv cash advance apps?
- Limited coverage: HO-1 and HO-2 insurance
- How to get a liquor license in Mississippi
- Methodology to identify the best budget apps
- Family loans
- 31. Tap into virtual reality experiences
- ASPCA vs. Embrace
- 13. Sell unused gift cards
- 17. Bookkeeping and accounting
- 8. Stocks
- 12. Bundle cable and internet
- Best if you have travel credit card coverage: Seven Corners
- 2. Find the ETFs you want to invest in
- How much is Fiji business class?
- 14. Write content
- How to get a liquor license in Missouri
- Individual stocks
- 32. Make a niche dating site
- Pros and cons of starting a vending machine business
- Payment plans
- Alternatives to cash advance apps
- Booking Fiji Airways business class with miles
- T
- How to get a liquor license in Montana
- 13. Switch your cell phone plan
- 33. Develop a chatbot
- How to get cheap car insurance
- 3. Buy the ETF
- Pros
- How homeowners insurance works
- 18. Consulting
- Credit union loans
- 6. Borrowing money
- 14. List your spare bedroom on Airbnb
- Compare car insurance rates for drivers with an accident
- How to get a liquor license in Nebraska
- 34. Offer matchmaking skills
- 4. Hold onto the ETF
- ASPCA vs. Healthy Paws
- Cons
- Replacement cost vs. actual cash value
- Dividend stocks
- Capital Good Fund
- Booking flights, recapped
- How to get a liquor license in Nevada
- 14. Reduce your electric bill
- 35. Be a virtual assistant
- U
- 15. Publish a digital course
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- 19. IT support
- 15. Lower your student loan payments
- 36. Reinvent exercising
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- How we review pet insurance
- Quick snapshots
- 37. Create eco-friendly, health-friendly makeup and beauty products
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- 15. Sell your gently used clothes
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- 9. Alternative investments
- 16. Cancel unnecessary subscriptions
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- 16. Wrap your car with ads
- 20. Graphic design
- 38. Open a food truck or restaurant pop-up
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- 17. Refinance your mortgage
- 39. Start an organization business
- 17. Rent out a parking space
- How to get a liquor license in North Carolina
- 40. Do interior design for young professionals
- 16. Trade in old phones, electronics for cash
- Other ways to save money
- 21. Social media management
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- 10. Cryptocurrency
- 18. Set savings goals
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- How to choose a startup idea
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- How to compare car insurance rates
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- 17. Get a babysitting gig
- 22. Marketing copywriter
- 19. Track spending
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- 11. Real estate
- 7. Your credit score
- 1. Gather your information
- 23. Virtual assistant services
- How to get a liquor license in Pennsylvania
- 20. Pay off high-interest debt
- 18. Rent out your car
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- 21. Keep savings in a high-yield savings account
- How to start a profitable business
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- Best for booking travel with points and miles: TravelSafe
- How to choose the best investments in 2024
- 2. Choose the right liability car insurance coverage levels
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- 22. Create a 50/30/20 budget
- 1. Do your research
- 19. Sign up for TaskRabbit
- How to get a liquor license in Tennessee
- 2. Get organized and make it official
- How to get a liquor license in Texas
- 23. Shop consignment and thrift stores
- 20. Become a private tutor
- 3. Find the right financing
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- Best for group travel insurance: HTH Insurance
- How to get a liquor license in Vermont
- 3. Decide if you need full coverage car insurance
- How to get a liquor license in Virginia
- 24. Join initiatives to get free items
- 21. Drive for Uber, Lyft
- 8. Taxes
- How to get a liquor license in Washington
- How to get a liquor license in West Virginia
- 25. Use car sharing services
- 22. Make deliveries for Amazon, Uber Eats
- How to get a liquor license in Wisconsin
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- 26. Stock up on household supplies when they’re cheap
- 9. Paying off debt
- 4. Collect and compare car insurance quotes
- Types of travel insurance
- Types of travel insurance
- 23. Find work as a housesitter
- 27. Enjoy community events
- Trip cancellation
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- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
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- Trip delay
- Cancel For Any Reason
- 25. Put your drone to work
- Compare car insurance companies
- Baggage delay
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- Lost baggage
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- 10. Insurance
- What does travel insurance cover?
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- What's not covered?
- What’s not covered?
- How much does it cost?
- How much does it cost?
- 11. Investing
- Do I need travel insurance?
- Do I need travel insurance?
- How to choose the best travel insurance policy
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- What are the top travel destinations in 2024?
- What are the top travel destinations in 2024?
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- More resources for travel insurance shoppers
- 12. Starting or running a business
- Frequently asked questions
- Methodology
- 13. Travel
- Learn more about personal finance
- The NerdWallet Smart Money podcast
1. Delay your application
Social Security retirement benefits increase by roughly 5% to 7% each year that you delay between the earliest claiming age, 62, and your full retirement age, which is currently 66 and 2 months and rising to 67 for people born in 1960 and later.
The return you get increases if you can wait beyond your full retirement age. Delayed retirement credits boost your check by 8% for each year you hold off applying until age 70, when your benefit maxes out.
Pro tip: Most people are better off delaying, according to a large body of research that takes into account longer life spans, prevailing interest rates and survivors benefits. Many financial planners encourage their clients to tap other resources, such as retirement funds, if that allows them to put off applying.
2. Work longer
Social Security is based on a worker’s 35 highest-earning years. You may be able to boost your benefit by working longer if you’ll earn enough to replace one of your lower-paid years with a higher-paid one.
People who took time off to raise families or otherwise had breaks in their employment could find working longer to be especially helpful in increasing their benefit. (Note that if you start Social Security early, continuing to work could temporarily reduce your benefit.) Also, a woman’s income may be more likely than a man’s to increase later in life, increasing the potential payoff from continuing to work.
Pro Tip: If you start Social Security early, your benefit will be reduced by $1 for every $2 you earn above a certain limit. The limit is $22,320 in 2024. This earnings test disappears at your full retirement age, so it’s usually best to wait at least until then to apply.
3. Earn more
Another way to increase your future Social Security check is to max out your earnings as many years as you can. In 2024 the first $168,600 of earnings is subject to Social Security tax. If you max out in all 35 of your highest-earning years, you’ll qualify for the maximum Social Security benefit at your full retirement age. The maximum Social Security benefit at full retirement age is $3,822 per month in 2024.
Pro tip: Sometimes self-employed people will try to minimize the amount of their income that’s subject to payroll taxes, but that maneuver can come back to bite them when it’s time to apply for Social Security. Paying a bit more taxes in the short run could pay off in a lifetime stream of higher, inflation-adjusted income.
4. Consider your spouse
Some lower-earning spouses could get more from taking a spousal benefit than from taking their own retirement benefit. Spousal benefits can be as much as 50% of what the higher earner gets at his or her full retirement age. The amount is discounted if started early. Typically the higher-earning spouse needs to be receiving a retirement benefit for the other partner to get a spousal benefit. In the past, higher earners could “file and suspend” to let their own benefits grow, but that’s no longer an option.
When you apply, Social Security will compare your spousal benefit to your own retirement benefit and give you the larger of the two. In most cases, you won’t be able to switch from a spousal benefit to your own benefit later, even if your own benefit would be larger. (People born before Jan. 2, 1954, have the option of filing a “restricted application” for spousal benefits only and then switching to their own benefit later.)
Couples should also think about survivor benefits when making Social Security decisions. When one spouse dies, the survivor will start getting only one check — the larger of the two checks the couple was receiving. The drop in income from the check that’s lost can be substantial. Couples can help mitigate the damage by ensuring the check that remains is as large as possible. That typically requires having the higher earner put off the start of Social Security, preferably at least until full retirement age.
Pro tip: Coordinating benefits with a spouse can get complicated. Consider using a Social Security claiming calculator to explore your options. There’s a free one at the AARP site, or you can pay for a more sophisticated versions at Social Security Solutions ($20 and up) or Maximize My Social Security ($39 and up).
5. Investigate divorced spouse benefits
If you’re currently unmarried but a previous marriage lasted at least 10 years, you could qualify for spousal benefits based on your ex’s work record. The amount can be up to 50% of the worker’s benefit at his or her full retirement age. If you remarry, however, the divorced spouse benefit stops. You must be at least 62 to get spousal benefits.
If your ex has died and the marriage lasted at least 10 years, you could qualify for survivor benefits of up to 100% of your ex’s benefit. You can remarry at 60 or older (or 50 and older if disabled) and still receive divorced survivor benefits. Survivor and divorced survivor benefits can begin at age 60, or at age 50 if the survivor is disabled, or at any age if you’re caring for your ex’s child who is under 16 or disabled (and in that case, the 10-year marriage requirement is waived). People receiving survivor benefits can switch to their own benefit later if that’s larger, and vice versa.
Pro tip: Your ex must be at least 62 for you to receive a divorced spousal benefit, but does not need to be receiving his or her own benefit. (That’s different from regular spousal benefits, which typically require the primary worker to apply before the spouse can receive anything.) Survivor benefits are based on what your ex was receiving or would have received at full retirement age. (If your ex delayed starting benefits past full retirement age, the survivor benefit is increased by those delayed retirement credits.) If you start benefits before your own full retirement age, however, the amount you get will be reduced.
6. Add your minor child
If you’re receiving Social Security retirement or disability benefits, your offspring may be entitled to a check as well. An unmarried minor child can receive up to 50% of the primary worker’s retirement or disability benefit. This child benefit typically ends at 18, but can continue to age 19 if the child is still in high school. Child benefits are also available to those 18 and older if they are disabled and the disability began before the child turned age 22.
There is a “family maximum” that limits how much a family can collect based on one worker’s earnings record. The maximum is between 150% and 188% of the worker’s monthly benefit at full retirement age. If your total family benefits would exceed the cap, the worker would continue to receive an unreduced check but the dependents’ checks would be proportionately reduced.
Pro tip: Family benefits, including child and spousal benefits, are subject to Social Security’s earnings test and may be reduced or even eliminated if the primary worker starts benefits early but continues to work.
7. Suspend your benefit
If you started Social Security early and decided that was a mistake, you can suspend your benefit once you reach your full retirement age. That will allow your benefit to earn the delayed retirement credit that increases the amount you get by 8% each year you delay until age 70, when your benefit maxes out. You don't have to pay back the benefits you've received.
Suspending your benefit, however, also suspends the benefit of anyone else receiving checks based on your work history, such as a spouse or a minor child. The potential increase in your benefit may not make up for the loss of your dependents’ benefits.
Pro tip: Sometimes Social Security workers incorrectly tell people they cannot suspend benefits. If that happens to you, refer them to this page on the Social Security website.
8. Use a do-over
If you change your mind within a year of applying for Social Security, you can withdraw your application and pay back everything you’ve received in benefits. That will restart the clock on your benefits so you can receive the 7% to 8% annual increase from delaying your application. You can do this only once in your lifetime, and you can’t withdraw your application after 12 months.
Pro tip: Withdrawing your application is different from suspending your benefit. You can suspend your benefit orally or in writing any time after reaching full retirement age. To withdraw, you must fill out Social Security Form SSA-521 within a year of applying and pay an amount equal to all the benefits you and your family have received, including any Medicare premiums withheld from your checks.
Estimate your Social Security retirement benefits
Your actual benefit may be lower or higher than estimate made with this calculator, because it does not take into account your actual earnings history.
We assume you have earnings every year until you begin receiving Social Security benefits. If you had several years of noncovered employment or your earnings changed significantly from year to year, this calculator will overestimate or underestimate your benefit.