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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. Utilities
- Warren Buffett
- 3. Determine other ownership costs
- Home warranty
- 2. Test websites and apps
- 2. The capital gains taxes you’ll pay
- 4. Charge the big stuff
- Car loan preapproval can save you money at the dealership
- Winner: American Airlines
- What does umbrella insurance cover?
- Get ready to buy
- 2. Online high-yield savings accounts
- Money-saving perks
- Consider giving from your IRA after age 70
- 1. Tax return transcript
- Cons
- 1. To give to charity the wise way
- EveryDollar
- Pros of sole proprietorship
- Collect and keep track of your payments
- Amica
- Minority Business Development Agency Centers
- 4. Smart-home gadgets
- 1. Equipment: $10,000 to $125,000
- 2. Apply for a credit card consolidation loan
- 2. Kayak
- How to find the best stocks to buy now
- Valuable welcome offer
- How student loan credit standards compare
- 4. Explore mortgage options
- Airline rewards programs
- 3. Its APR is lower than average
- Why are my FICO and VantageScore credit scores different?
- WEX
- Do I need to pay gift taxes on the money I donate?
- Average daily balance
- Cheap car insurance from midsize companies
- How to reduce your dog grooming bill
- About Medicare
- What do I do if I get a Form 1099-NEC?
- Autolist
- Using a misoprostol-only regimen
- Frugal entertainment tips
- Cons of Ethereum
- Can I add authorized users?
- First Tech: Best for co-sign and joint loan options
- Bank of America® Customized Cash Rewards credit card
- 2024 tax refund schedule
- 3. Auto repair
- 3. Let your bank renew your CD
- 6. Babysit a kid for a great hourly rate
- 2. Choose your insurance deductible
- 3. Comparison shop between brands (the discount ones aren't always cheapest)
- OFX
- Compare insurance rates for 20-year-olds
- Who wants prices displayed and who doesn’t?
- How to buy a life insurance policy
- 4. Sector stocks
- Don’t reach out over email
- T-Mobile
- Cash App
- 12 credit unions that use Zelle
- Buying points
- What do I need to pre-qualify for a personal loan?
- 2. Dividend index funds and exchange-traded funds
- Debt-to-income ratio
- 6. Start a dropshipping business
- Unlimited reading
- Crypto.com DeFi Wallet: 4.8 out of 5 stars
- Overdraft fees by institution
- 4. Lucrative sign up bonus
- 4. Handyman or contractor
- Who should consider this option?
- Envy is impacting some Americans’ health
- 5 ways to make money on Instagram
- The pros
- 4. You can get dropped from your plan for making a claim.
- 3. Specialized care provider
- 2. Consider debt consolidation
- 2. Empower: Best for fast cash
- 3. Call the IRS to locate your EIN
- 4. Participate in the gig economy.
- How to apply for an employer identification number
- Other student loan forgiveness programs
- H&R Block
- Do personal credit scores affect business credit scores?
- The type of central air unit: $600 to $24,000
- 3. Keep your 401(k) with a former employer
- Best for extra perks: Aetna
- 7. Chili’s
- Winner for elite status and rewards: Alaska
- Where to get an infant passport photo taken
- Affordability is a top barrier to moving
- Getting the best HELOC rate
- Do I have to pay state tax on lottery winnings?
- Nonresident status rules
- Top 8 Bitcoin strategy ETFs by fee
- Star Alliance Lounges
- Price vs. yield
- Best car insurance companies: Our winners
- 4. Buying power
- Will I qualify for student loan refinancing?
- Needs
- 4. CouponCabin Sidekick
- Redeeming points
- REITs' average return
- It’s not cheap to use
- Apply for loan modification
- How does a Roth IRA work?
- The cheapest best full coverage car insurance companies
- Is LifeLock worth the price?
- Will food prices go down in 2024?
- Step 3: Claim dependents, including children
- 4. Insurance
- Do the math
- How are dividends paid out?
- Consent for out-of-network billing
- What is the CFPB?
- How to meet your monthly savings goal
- Which airlines offer free carry-on bags?
- Is student loan forbearance bad?
- California income tax deadlines and extensions
- YNAB
- 2. Tax account transcript
- 1. Get sponsored
- How does a life insurance trust work?
- 3. Consider paying points
- Apply extra student loan payments toward the principal
- Collect the right tax forms from your lender
- Cons of sole proprietorship
- Credit card loans
- Why is Bitcoin still popular?
- 3. Extended reality
- Florida HFA Preferred or Advantage Conventional Loan
- Index examples
- Best homeowners insurance in Florida for coverage: State Farm
- What’s the difference between pre-qualification and preapproval?
- Current Citi Dividend bonus categories
- Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
- Who might prefer the Discover it® Chrome
- Do establish clear roles from the beginning.
- How to file a tax extension
- How to get medical bills off credit reports
- 3. Choose how much you want to invest
- Closing costs calculator
- A credit score over 620
- DCU Visa® Platinum Secured Credit Card
- How to unfreeze your credit
- Group life insurance
- What are the credit score ranges?
- Are you a day trader for tax purposes?
- What crowdfunding tax documents do I need?
- Best homeowners insurance in Hawaii for consumer experience: Cincinnati Insurance
- 20% of your income: savings and debt
- Winner: World of Hyatt
- Can I appeal if I’m denied based on medical necessity?
- How do I check my tax return status?
- What a good credit score can get you
- Where to exchange currency outside the U.S.
- What if you withdraw from your 401(k) early?
- What to expect the stock market to return
- 5. Event planning
- Does basic economy get a carry-on on United?
- 7. Whip your neighbor's yard into shape
- Avis President's Club
- Your U.S. credit score won’t follow you
- Fidelity Investments
- State and institutional FAFSA deadlines
- What the American Opportunity Credit is worth
- 5. Use your new card for everyday spending
- Transfer points to partner airlines
- What can I use a home equity loan for?
- Cash reserves
- Input new refinanced car loan information
- 3. It’s free of some fees
- Unlimited music streaming
- Shop mortgage lenders
- Consider gift exemption limits for direct gifts
- Appeal the claim denial
- Credit Karma
- 0% balance transfer credit card
- Dealer addendum sticker vs. MSRP
- Professional liability insurance (Errors and omissions insurance)
- The risks of short selling
- Treat yourself and give back
- Paying early also cuts interest
- Where to find your AGI on your 1040
- Startup business grants from private companies and nonprofits
- 5. Window flair
- Justifying the American Express® Business Gold Card's annual fee
- Heavy spending on gas and dining
- How to shop on Singles Day
- Money saving tips for travel credits
- Don’t let the details drag you down
- 3. How fast do you need the money?
- 8. Cinnabon
- How to reduce your risk
- Consider getting an annual pass
- U.S. to Israel or Northern Africa for 53,000 miles in business class
- Medicare Parts A, B, C and D: What’s the difference?
- Exceptions to state minimum car insurance requirements
- Is Plan B an abortion pill?
- Goodbudget, for hands-on envelope budgeting
- Fly on the holidays (or as far from it as possible)
- Mediocre speed
- 203(k) eligible projects
- Experience level
- 3. There's a modest but easy-to-snag sign-up bonus
- 3. You get more out of the card with a Cred.ai deposit account
- 4. Consider your spouse
- Step 4: Refine your withholdings
- 4. Peer-to-peer lending
- 3. Evaluate other factors
- 4. Find the right car for you
- Does Max cost the same as HBO Max did?
- 3. Set up balance alerts to stay on top of spending
- Aflac customer complaints and satisfaction
- 4. Shorten or eliminate unnecessary meetings
- Rental car insurance vs. your own auto insurance
- Gift tax limit 2024
- 7. Curate subscription boxes
- Borrowers will have to say ‘yes’
- Glossary of overdraft terms
- 5. Automotive repairs
- 3. Record of account transcript
- 1. High-yield savings accounts
- 2. As an early step toward passing down wealth
- PenFed Platinum Rewards Visa Signature® Card
- Help you choose or switch repayment plans
- Student loan cancellation programs
- How to transfer Bilt Rewards
- 3. Decide how many shares to buy
- 4. Cash out your 401(k)
- 2. Choose an investment account
- How to day trade stocks
- Local sales
- Who pays the closing costs?
- Lenders look at more than a bad credit score
- 4. It earns double points in popular spending categories
- How to get a home equity loan
- Banks and credit unions that clear checks fast
- Best insurance company overall: Travelers
- 5. Profits
- 2. Acts as a savings vehicle for your child
- What does Braven Health Medicare Advantage cost?
- Don’t want to take on additional debt
- 5. Capital One Shopping
- Mortgage insurance
- What to do if your appeal is unsuccessful
- The Business Platinum Card® from American Express
- Is there a sign-up bonus?
- PenFed: Best for a seamless application process
- Blue Cash Everyday® Card from American Express
- Remember your CD’s maturity date
- Benefits of a SIMPLE IRA
- 2. Take a cut with affiliate marketing
- 6. Video production
- Which life insurance policy is right for me?
- 3. Learn to use AI tools
- Is the American Opportunity Tax Credit refundable?
- 5. Domestic and international stocks
- 3. The cost of owning them
- If your student loans were in default before the pandemic
- Kirkland’s
- Documentation
- 4. There’s no welcome offer
- How to make the money work
- Whole Foods deals
- Key things to know about stocks
- 5. No annual fee
- The cons
- Personal loans
- More advanced stock chart terms
- 1. Make sure you’re eligible to get an EIN online
- Using the mortgage points calculator
- Here’s what to do (for now)
- How much do index funds cost?
- Fast Break for Small Business
- 2. Incorporation fees: Under $300
- An alternative to chasing the best stocks
- How to dispute a medical bill on your reports
- 9. Cold Stone Creamery
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- How does a HELOC work?
- 3. Swagbucks
- Eligible child and dependent care expenses
- Reasons for unfreezing your credit
- Getting life insurance as a small-business owner
- Other fuel cards to consider
- Whole life insurance
- Trip interruption coverage
- Should you tip a dog groomer?
- 1. Making money
- Wants
- Sign-up bonus
- Your 401(k) plan allows after-tax contributions
- April
- More about the card
- Types of REITs
- Frugal DIY project tips
- Why haven't I received my tax refund?
- Do tipped workers earn the minimum wage?
- 4. Personal trainers
- Eliminate mortgage insurance
- Benefits for employers
- Why Allways is worth joining
- LifeLock pros
- Other popular ways to make money in one hour usually come with a catch
- Step 5: Sign and date your W-4
- 4. Leverage memberships
- 6 types of dividends
- Be upfront, honest and specific
- Where Aflac stands out
- Verizon
- Should you buy growth stocks?
- 6. Foot the bill
- Learn more about Zelle
- How long will it take to pre-qualify?
- Common stocks vs. preferred stocks
- How to build credit
- 3. Cash management accounts
- Zengo Wallet: 4.8 out of 5 stars
- Which lenders offer student loan cash-out refinance?
- What you can do
- 4. Wage and income transcript
- What state has the highest gas prices?
- Cell phone protection plans by carrier
- 4. Wellness coach
- Other opportunities to pay off student loans faster
- Goodbudget
- Current reads on the housing market
- Are new cars selling above MSRP?
- General partnership
- How to find another company's EIN
- 5. Rent out your home on Airbnb.
- How this calculator works
- 4. Robotics
- 6. Brighter light fixtures
- Intuit TurboTax
- What is a good business credit score?
- If you're considering the American Express® Business Gold Card ...
- How to find an FHA Title 1 loan lender
- What can I do with my money if I max out my 401(k)?
- 4. Select a provider to open your Roth IRA
- A strong history of paying bills on time
- Homes in cities are particularly out of reach
- What qualifies:
- Prosper Card
- What is Ohio’s standard deduction?
- The Bitcoin ETF price war
- Redeeming points for Star Alliance awards
- 6. Lower risk
- Autotrader
- Premiums
- Where can I get an abortion pill?
- Ethereum vs. Bitcoin: Notable differences and price history
- How do I pay with the Apple Card?
- College education
- The best full coverage car insurance companies
- How many banks have collapsed?
- 7. Podcasting
- Bank of America® Customized Cash Rewards credit card
- Why is food so expensive?
- Earn cash (or pennies) back with rewards apps, in time
- 5. Business property rent
- Prepare for a future tax bomb
- How to get a Universal Express Pass
- Disputes over what you owe
- Michael Novogratz
- Federal FAFSA deadline
- Fines and legal actions: Wells Fargo’s recent history
- Earn points by purchasing from Marriott partners
- Home equity loan rates in 2023
- Crashes and car theft
- Appraisals
- Free games
- Do I have to pay California state tax?
- LendingTree Spring
- How to get overdraft fees waived
- 6. Access to My Chase Plan
- 6. Home cleaning
- File a complaint with your state insurance department
- 4. Take advantage of first-time home buyer programs
- Product liability insurance
- Bid and ask
- Student loan discharge programs
- Plastiq
- The significance of adjusted gross income
- Best for comprehensive coverage: Cigna
- Categories from previous years
- Size of the AC system
- The importance of a direct 401(k) rollover
- CD vs. high-yield savings account: At a glance
- Bottom line
- Use credit card points
- Should I take a lump sum payment or annuity payments?
- Alternatives to checks
- FICO score ranges
- Cheap car insurance after a speeding ticket
- Are my finances stable enough to refinance?
- Next steps
- Optional coverages
- What’s included on Form 1099-NEC?
- What are maintenance requirements and margin calls?
- Via an Apple Pay terminal
- What states are increasing minimum wages in 2024?
- Benefits for employees
- Blue Cash Preferred® Card from American Express
- 4. The card is essentially fee- and interest-free
- How third-party search finances work
- Chairman's Club (invite only)
- 1. Cash dividends
- Does HBO Max allow password sharing?
- 4. Pay your bill before your issuer reports to the credit bureaus
- 6. Growth and value stocks
- Where Aflac falls short
- 3. Bonds and bond index funds
- Gift tax limit 2023
- What umbrella insurance doesn’t cover
- Reviewing the results
- 8. Create an airport-centric app
- Department of Education calls for an end to “forbearance steering”
- Impact on home buyers
- 5. Verification of non-filing letter
- Pros and cons of investing in stocks
- How to gift stock
- 3. Work with your creditors
- Customize your loan payments
- 5. Customer experience management, or CXM
- Florida HFA Preferred or Advantage Plus Conventional Loan
- Diversifying with index funds
- 7. Removable wallpaper
- Does pre-qualification affect your credit score?
- 2023 credit card bonus categories
- Covering your spouse under your solo 401(k)
- 5. Research first-time home buyer assistance programs
- Do get your business plan in writing.
- 10. Del Taco
- Seller concessions
- What doesn't qualify:
- Tips for unfreezing your credit
- North America (domestic flights)
- Why is the 10-year Treasury yield important?
- Tax breaks for regular investors
- Full list of the best homeowners insurance in Hawaii
- U.S. to Mexico for 14,500 miles in economy on Delta or Aeromexico
- What if you can’t afford to tip?
- 3. Covers costs if the worst were to happen
- Don’t want to give up full control of the business
- Your 401(k) lets you move your after-tax money
- Get more help with monthly budget planning
- Navy Federal: Best for military members
- Chase Freedom Flex℠
- What affects your credit score?
- Where to avoid exchanging currency
- What can you invest in with a Roth IRA?
- The long straddle
- Our pick for: Online purchases
- Our pick for: Grocery spending, commuting and streaming service subscriptions
- 4. You’ll receive an instant card number upon approval
- 5. Investigate divorced spouse benefits
- Is United’s basic economy worth it?
- W-4 form 2024
- 5. Online savings accounts
- Purchase a pass
- How to preserve your U.S. credit profile
- 5. Contact the seller or visit a dealership
- Home insurance
- What is the Lifetime Learning Credit?
- Google Pay
- 7. Buy gift cards, with caution
- Auto loan preapproval vs. pre-qualification
- Step 3: Choose your lender and loan
- 5. Reap extra benefits through American Express
- Home equity line of credit
- Travel benefits
- 7. IT and computer services
- Social media may lead to overspending
- Types of life insurance trusts
- Other coverage options
- Additional functionality
- 3. EarnIn: Best for large advances
- Pros of general partnership
- Other types of liability insurance
- 2. Gather the necessary information
- The caveats
- Why the due date is so important
- Auto-Owners
- IFundWomen Universal Grant Application Database
- Best homeowners insurance in Florida for having few consumer complaints: Chubb
- 3. Office space: $100 to $1,000 per employee per month
- 3. Expedia
- Dun & Bradstreet business credit scores
- Installation and labor: $75 to $250 per hour
- Best for local support: Blue Cross Blue Shield
- 4. Are you comfortable submitting information online?
- How long do medical bill collections stay on your credit reports?
- Clothes, vintage and crafts
- Home equity loan and HELOC rates
- Do spot Bitcoin ETFs have custodianship risk?
- Are home equity loans a good idea?
- Interest rate
- Savings and debt repayment
- How to invest in AI stocks
- Copays, coinsurance and deductibles
- 7 steps to appeal your financial aid
- Elite status perks
- Equity REITs
- Drawbacks of SIMPLE IRA plans
- Cheap full coverage insurance for different drivers
- 8. IT consulting
- LifeLock cons
- Drive for Uber or Lyft
- 6. Auto expenses
- Xoom
- 2. Stock dividends
- What happens if you don't stop a tax offset?
- Airline loyalty programs
- Other ways to skip baggage fees
- 9. Become a destination wedding planner
- Prime Day and Prime Early Access
- 7. No foreign transaction fees
- The pros
- Also consider:
- 1. Gifting stock to kids through a custodial account
- Volume, average volume and day’s range
- Credit card rewards
- 8. Fresh paint
- 4. Buy stocks using the right order type for you
- 2022 credit card bonus categories
- How do tax refund loans work?
- Low maintenance rewards
- How to open a savings account or CD
- 11. Denny’s
- How do I access a HELOC?
- What’s the filing deadline for my Ohio state income tax bill?
- 5. It has a sweet sign-up bonus
- VantageScore ranges
- 7. Built-in customer base
- Interest rate
- How do you file a Form 1099-NEC?
- What states banned abortion?
- Best elite status: World of Hyatt
- May
- Estimate your 2024 IRS tax refund date
- 5. Newborn and post-pregnancy services
- Skip currency exchange: Use a credit or debit card
- Grace periods at some banks
- Pre-tax vs. Roth 401(k)
- 5. It’s made of metal
- 4. Consider extra coverage
- Arbitration between providers and insurers
- How to fit HBO Max into your budget
- How the Lifetime Learning Credit works
- More about Aflac
- Should you invest in retail stocks in 2023?
- Winner: American Airlines
- Damage you do to others
- How the lifetime gift tax exclusion works
- Pros and cons of jumbo loans
- Moving forward
- Fly bags for free with elite status
- Borrowers can re-access repayment options and forgiveness
- Trading vs. investing
- 4. Certificates of deposit (CDs)
- Expensify
- How do I get a copy of my actual tax return?
- What state has the lowest gas prices?
- 5. Nurse blogger
- Price
- Current buyer roadblocks
- Cons of general partnership
- What is a short squeeze?
- 6. Become a dog walker.
- Process your requests for deferment or forbearance
- How does cryptocurrency work?
- Understanding your results
- 6. Influencer marketing
- Which Bilt transfer partners are best?
- 3. Tap your home equity for a loan or line of credit
- Managing expectations
- How to open a solo 401(k)
- Miscellaneous statement credits
- The best times to day trade
- In-flight experience
- Poshmark
- 4. Fiverr
- What are fleet cards?
- Auto rental collision damage waiver
- Mortgage REITs
- Frugal home expenses tips
- 3. Land a brand deal and make sponsored content
- 9. Catering
- 5. Carrying a balance could be costly
- Change your repayment plan
- 3. Dividend reinvestment programs (DRIPs)
- How much life insurance should I buy?
- What kind of investment is Bitcoin?
- Next steps
- Types of stock classes
- What index funds and ETFs have in common
- Best value plans
- 8. Ditch the company card
- Ways to get the best home equity loan rates
- 10. Make local guides
- Bridge loan
- Who should use student loan forbearance?
- What is California's standard deduction?
- 8. Pet store, grooming and boarding
- Revocable life insurance trusts
- 5. Shop around with multiple lenders
- Amber Grant for Women
- Affording home upgrades
- 4. Inventory: 17% to 25% of your total budget
- How to increase your pre-qualification amount
- 2021 credit card bonus categories
- Which card should you get?
- How tax extensions work if you owe taxes
- 12. Edible Arrangements
- Winner of the sky: Delta
- How much does a HELOC cost?
- How do I deal with lottery taxes?
- Who counts as a qualified care provider?
- 5 things to know about Ohio state tax
- How to freeze your child’s credit
- Are 10-year Treasury notes a good investment?
- 8. Be your own boss
- How much does homeowners insurance cost in Hawaii?
- Other student loan calculators
- Before you buy
- Want to test the business idea before fully committing
- Mortgage rates
- Credit union personal loan rates
- Chase Freedom Unlimited®
- Refinancing with an FHA 203(k) loan
- How to increase your chances of a higher salary after coding bootcamp
- Minimum wage increases
- How to get a good credit score
- Are Roth IRAs insured?
- Cheap full coverage car insurance companies by state
- What else should I know about Roth 401(k) taxes?
- 6. Add your minor child
- Keep your options open
- How to find the 2024 W-4
- 7. Rent and depreciation on equipment and machinery
- 5. Opt for economy cars
- What you can do about it now
- Stay at a Universal resort
- 4. Take surveys for money
- 5. Monitor your total credit utilization
- How to get a preapproved car loan
- Gifting points doesn’t count
- 4. Real estate investment trusts (REITs)
- Who needs umbrella insurance?
- Pros
- Free unlimited photo storage with Amazon Photos
- Individual stocks vs. funds
- Guarda: 4.6 out of 5 stars
- 8. Baggage delay and lost luggage insurance
- Consider mediation
- 2. Certificates of deposit
- 2. Gifting stock through a Roth IRA
- Commercial auto insurance
- Beta
- How to change or cancel an EIN
- 3. Submit your application and wait
- Other tips for managing your bill
- What is your modified adjusted gross income (MAGI)?
- Quick start guide: How to invest in index funds
- Equifax business credit scores
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Pros and cons of a 401(k) rollover into an IRA
- 3. Get disability and life insurance
- 6. Compare mortgage rates and fees
- 5. How do you want to manage the loan during repayment?
- How to keep medical bills from hurting your credit
- Ruby Lane
- Most would make sacrifices to move
- Universal life insurance
- Mainland U.S. to Hawaii for 17,500 miles in economy on Delta
- Cheap auto insurance after an accident
- CarFax
- You’ve got money left over for savings
- Without Apple Pay
- Be prepared for your CD’s maturity
- 10. Social media management
- 5. Get a quote
- 4. Special dividends
- 6. Inspect and test-drive the car, if applicable
- Who can claim the Lifetime Learning Credit?
- 1. Diversification
- Growth stocks vs. dividend stocks
- 9. Pay your taxes
- Where to get preapproved for a car loan
- Injuries to you
- A fresh start for credit reports, too
- A rising rate environment
- What you can do
- Are there other ways to get tax records?
- 2. Promote your business
- Bank of America® Customized Cash Rewards credit card
- Your money management style
- 4. Seek help through debt relief
- 7. Content automation
- Salute Our Soldiers Military Loan Program
- 2020 credit card bonus categories
- 13. Firehouse Subs
- 5. Gather your paperwork
- Expand your options to Disney-area hotels
- What do the approvals mean for Bitcoin?
- Central America
- How do I grow my home's equity?
- What factors impact your credit scores?
- How do fleet cards work?
- Best insurance company for affordability: NJM
- The 50/30/20 budget calculator
- Redemption requirements
- How to find AI ETFs
- Braven Health Medicare Advantage plan types
- Tips to find cheap flights any day of the week
- Hybrid REITs
- What is the median household income in the U.S.?
- Pay bills on time
- 6. Enrichment activities for children
- Compare Roth 401(k) vs. traditional 401(k)
- Why did First Republic Bank fail?
- Ready to get started?
- What else you need to know
- 6. High-yield checking accounts
- What’s not covered by the No Surprises Act?
- Choosing the right stocks for you
- Mint Mobile
- Will my spouse’s refund be garnished, too?
- Step 4: Gather loan documents
- Spend on airline credit cards with built-in baggage perks
- 11. Create a local grocery delivery service
- Amazon Elements
- What part of my income gets taxed by California?
- Rocket Money
- 9. Rental car insurance
- 9. Salon or barbershop
- 2. Find the right location for your vending machine
- 6. Consider alternative types of mortgages
- 6. Freelance writer or editor
- Limited partnership
- EPS (TTM) and earnings date
- 7. Babysit or open a daycare.
- Help you certify for loan forgiveness
- How are cryptocurrencies created?
- 1. Have a goal for your index funds
- National Association for the Self-Employed Growth Grant
- Getting the most from your pre-qualification limit
- Is transferring your Bilt Rewards worth it?
- Market orders
- 4. Capital One Travel
- Why you might roll a 401(k) into an IRA
- Day trading risk management
- HELOC requirements
- EveryDollar, for simple zero-based budgeting
- Book one to three months in advance
- Delta SkyMiles® Reserve American Express Card
- Where's my 2024 state tax refund? Track your status
- 7 ways to reduce your 401(k) taxes
- How are food prices tracked?
- 8. Office supplies
- Compare car insurance rates for 35-year-olds
- 5. Preferred dividends
- What’s not covered
- 2. Low cost
- PayPal
- If you’re worried about Marriott points expiration
- How much can you borrow with a home equity loan?
- 5. Treasury notes, bills and bonds
- Irrevocable life insurance trusts (ILITs)
- The cons
- 3. Gifting stock to friends and family
- Bonus features
- Debt management plan
- 4. Varo: Best for existing bank customers
- What is naked short selling, and why is it illegal?
- Full list of the best homeowners insurance in Florida
- 5. Marketing: Below 10% of your total budget (even 0%)
- 2019 credit card bonus categories
- 3 tips to control central air conditioning installation costs
- Money-saving tips for miscellaneous credits
- Starting a business with a friend: What not to do
- How tax extensions work if you're due a refund
- 14. IHop
- Etsy
- Who should get a home equity loan
- Redeem hotel points
- How do you buy 10-year Treasury notes?
- Days in the cycle
- 4. Use budgeting or expense-tracking apps
- When is Form 1099-NEC due?
- Other risks of margin trading
- Bootstrapping tips
- June
- Who qualifies for an FHA 203(k)?
- Keep credit utilization below 30%
- Is a SIMPLE IRA right for me?
- Roth IRA eligibility rules
- 4. Sell some merch
- 11. Business planning service
- 7. Suspend your benefit
- You can use credit card benefits to travel in basic economy
- Do I have to update my W-4 every year?
- 10. Ask family for help
- What do I need for my loan application?
- 2024 lifetime gift tax exemption
- How much umbrella insurance do you need?
- Cons
- 12. Start a virtual event planning company
- Amazon Family
- Exodus: 4.5 out of 5 stars
- Methodology
- Changing buyer sentiment
- Ex-dividend date
- Do you ever need to change your EIN?
- Country Financial
- 8. Artificial intelligence
- Bizee’s Fresh Start Business Grant
- Communication is key
- Experian business credit scores
- 1. Examine your cooling needs
- Best for low-cost plan availability: Humana
- Where can you get the best loan?
- 3. Learn the difference between investing in stocks and funds
- Renters prioritize location over homeownership
- Additional child and dependent care credit requirements
- When should you freeze your credit?
- Disadvantages of franchising for the franchisee
- Average cost of homeowners insurance in Hawaii by city
- The bottom line
- Loan limits
- Publicly-traded REITs
- How do I get cash-back rewards?
- Citi Custom Cash® Card
- Cheap full coverage auto insurance for drivers with an accident or DUI
- The long strangle
- 6. Stick to one driver
- 6. Dividend funds
- Home warranty
- 3. Strong long-term returns
- What you need to get preapproved for a car loan
- Your stolen stuff
- Borrowers can get new loans to complete a degree
- 401(k) or other investment account loan
- 10. Gas station
- How are gas prices determined?
- The last resort: File a lawsuit
- 3. Bonds
- Account linking
- Bankruptcy
- Pros of limited partnership
- 8. Start a housekeeping business.
- 2. Research index funds
- Honorable mention: Wellcare
- 2018 credit card bonus categories
- How much does a tax refund loan cost?
- 7. Gather your loan paperwork
- Don’t start a business with a friend just because you like each other.
- 15. Melting Pot
- Closing costs for the buyer
- How to get a home equity line of credit
- 5. Upwork
- South America
- 2. Managing money
- Which should you get?
- 1. Create a business plan.
- Bottom line
- Earning rewards
- How to get a loan from a credit union
- How to get a tax refund sooner
- Keep credit accounts open
- 7. Mobile apps and entertainment for children
- 12. Tax consulting
- 9. Office furniture
- Find the best homeowners insurance in your state
- MoneyGram
- How to earn Avis Preferred Points
- Will the No Surprises Act affect health care costs?
- How much do life insurance policies cost?
- 7. Determine which warranties are right for you
- 5. Make money from your blog with affiliate links
- 5. Money market funds
- Am I a resident for California state tax purposes?
- Best Android personal expense tracker apps
- 7. Hospice caregiver
- Workers’ compensation
- 1-year target estimate
- Why are there so many kinds of cryptocurrency?
- 4. Borrow from your 401(k)
- 2. Time it right
- How many tax extensions can you file?
- Electronics
- 6. Pick your investments
- Who should get a HELOC
- Filing status
- Do you pay tax on T-notes?
- 1. Restricting regulations
- How do I file a claim?
- CarGurus
- Braven Health Medicare Advantage service area
- Exchange frequently? Consider a multicurrency account
- Why did Silicon Valley Bank fail?
- Bitcoin and volatility
- Visible by Verizon
- Home equity loan requirements
- 13. Sell zero-waste products
- Resident status rules
- Money Manager
- 11. Grocery store
- Government bonds
- Debt settlement
- Cons of limited partnership
- 9. Podcasting
- Florida Assist Second Mortgage
- More Florida home insurance companies
- 6. Website: Around $40 per month
- How long does it take to get pre-qualified for a mortgage?
- 2017 credit card bonus categories
- Why you might not want to roll a 401(k) to an IRA
- 16. Moe’s Southwest Grill
- Bottom line: Is day trading right for you?
- Swappa, Gazelle
- Appraisal fee
- Fleet expense management tools
- Variable life insurance
- Cheapest car insurance after a DUI
- 5. Explore other expense-tracking methods
- Do I still need to file a Form 1099-MISC?
- Public non-traded REITs
- Capital One SavorOne Cash Rewards Credit Card
- How do I get an FHA 203(k) loan?
- 1. Avoid filing your tax return on paper
- Space out credit applications
- 5. Offer memberships
- 8. Use a do-over
- How to adjust your Form W-4
- How to evaluate dividends
- Is the Lifetime Learning Credit refundable?
- Learn more about sector ETFs:
- Reminders for meeting a travel card's minimum spend
- Jumbo loans and conforming loan limits
- Collections activities won’t restart for one year
- Sharing a Prime membership Using Amazon Household
- Coinbase Wallet: 4.4 out of 5 stars
- How to dispute a low claim settlement
- Security
- What it would take for more buyers (and sellers)
- Moving averages
- 9. Become a tutor.
- Venmo Small Business Grant
- Why do I need a business credit score?
- 3. Look for equipment rebates and tax credits
- Should you apply for a personal loan online or in person?
- How much does a tax extension cost?
- Earned income
- Cons of a credit freeze
- What do the approvals mean for other crypto investments?
- Next Steps
- The cheapest home insurance in Hawaii
- What's next?
- Could we be in an AI bubble?
- Property standards
- Set a price alert
- July
- 8. Shared accessories and attire
- Perks await when you fly economy with elite status
- 10. Software subscription
- NerdWallet home insurance calculator methodology
- 7. Use your own insurance
- 1. Automate transfers
- Using your credit card for rental car coverage
- Interest-based passive income ideas
- Who pays the gift tax?
- 14. Make products for pets
- Low-down-payment mortgage
- Which type of life insurance should I put in a trust?
- What kind of liability insurance do I need?
- The bottom line on short selling
- What if you lose your EIN?
- Limit orders
- 2016 credit card bonus categories
- Maximize the value of your credit card statement credits without breaking the bank
- 8. Get a preapproval letter
- When applying for a loan online makes sense
- 17. P.F. Chang’s
- Discount points
- How much can you borrow with a HELOC?
- Europe
- What if the card’s benefits aren’t enough?
- 2. Officially launch your business
- Cash bonuses on cards with an annual fee
- 2. Get direct deposit
- Monitor your credit reports
- 13. PR agency
- U.S. Bank Cash+® Visa Signature® Card
- How to redeem Avis Preferred Points
- Is the Universal Express Pass worth it?
- Dividend per share (DPS)
- Venmo
- Step 5: Submit your application and get funded
- Find local conforming loan limits
- 3. Sell your castoffs
- Double-check your coverage
- 8. Childbirth education or doula
- 5. Lower your living expenses
- 5. Dave: Best for repayment flexibility
- Servicing changes are underway
- 10. Streaming service
- 3. Pick your index funds
- The insurer of last resort: Citizens Property Insurance Corporation
- Pros and cons of tax refund loans
- How to finance central air installation
- Tax extensions for overseas taxpayers and military members
- Airline credit cards
- Use free night certificates
- Expenses
- Factors that don’t affect your credit scores
- Fleet fuel cards: benefits and drawbacks
- 6. Look for ways to lower your expenses
- Rebook if you find a cheaper price
- Spending rewards
- Credit union vs. online lender
- Are FHA 203(k) loans a good idea?
- The best place to exchange currency at the end of your trip
- What’s a spousal Roth IRA?
- U.S. Bank Cash+® Visa Signature® Card
- How to have more taxes taken out of your paycheck
- 8. Negotiate the best price
- 6. Sell your wares on Etsy
- American Opportunity Tax Credit vs. Lifetime Learning Credit
- Are home equity loans a good idea?
- Extra fees
- Do you pay taxes when you receive a gift?
- How much does umbrella insurance cost?
- 15. Create custom clothing
- Next Steps
- AndroMoney
- 12. Drugstore
- Upgrade Triple Cash Rewards Visa®
- Customer support
- C corporation
- 2015 credit card bonus categories
- How do I get my business credit score?
- 18. Pinkberry
- Winner for its variety of credit cards: Delta
- Appendix: How the math works in our examples
- Private REITs
- Blue Cash Preferred® Card from American Express
- 3. Stay on top of things
- Our pick for: Cell phone and internet bill payments
- Our pick for: Utilities, commuting and more
- 11. Advertising and marketing
- Dividend yield
- Cricket Wireless
- Winner: American Airlines
- Ways to get the best jumbo mortgage rates
- Part-year resident status rules
- Types of gas
- Support and resistance
- 10. Become a career coach.
- The Amplifier Grant
- Best for extra perks: Aetna
- 7. Office furniture and supplies: 10% of your total budget
- 5. Kiwi
- Home equity loan
- Best of the Blues: Highmark
- When applying for a loan in person makes sense
- Escrow account funds
- 6. OfferUp
- How to claim the child and dependent tax credit
- Credit freeze or credit lock?
- Best insurance company for accident forgiveness: Geico
- 2. Initial cost
- What to know about Hawaii homeowners insurance
- Handle with care
- Cars.com
- Empower Personal Dashboard, for tracking wealth and spending
- Travel credit cards
- Delta SkyMiles® Reserve Business American Express Card
- Cheap full coverage car insurance for drivers with poor credit
- How much money can you make on YouTube?
- 14. Professional organizing
- 8. Forgo the extras
- Home insurance
- 2. Count your coins and bills
- 6. High-yield savings accounts
- How to get umbrella insurance
- A new way to buy and sell
- Is Amazon Prime worth it?
- Trust Wallet: 4.3 out of 5 stars
- Are cryptocurrencies financial securities, like stocks?
- The Hanover
- 11. 3D printing
- Florida HLP Second Mortgage
- 2014 credit card bonus categories
- Home shopping tips
- Don’t make assumptions about each other’s goals for, and commitments to, your business.
- 19. Pizza Hut
- How to improve your credit
- Benefits
- Best hotel credit card: Marriott Bonvoy
- August
- Pros of a 203(k) loan
- What is the highest credit score, and how many people have it?
- Currency exchange: Frequently asked questions
- Why did Signature Bank fail?
- How to have less taxes taken out of your paycheck
- Buying rental car insurance on your own
- Is the gift tax deductible?
- 16. Sell vintage clothing online
- 13. Antique or thrift store
- 4. Earn badges through Live videos
- User experience
- Pros of C corporation
- 5. Enter a debt management plan
- 9. Choose a real estate agent carefully
- What happens after you file a tax extension?
- If you want to stay at a Disney hotel for cheap
- Flooding
- Cheapest auto insurance for poor credit
- 3. Lay the groundwork for a future business loan
- Be flexible with destination, airport and dates
- What fees can I expect?
- Capital One Savor Cash Rewards Credit Card*
- 4. One more thing to know about your tax refund
- 9. Shared home improvement equipment
- The synthetic long
- 15. Photography
- 12. Business entertainment
- Western Union
- Education tax forms
- 1Money
- 9. Fitness nurse
- How do I buy liability insurance?
- Recent servicer portfolio transfers
- 4. Decide where to buy your index funds
- FedEx Small Business Grant Contest
- 8. Utilities: Around $2 per square foot of office space
- Tax refund loan alternatives
- 4. Set a budget for your stock market investment
- 20. Red Robin
- Important considerations when opening a Roth IRA
- Flood determination and monitoring fees
- Who can access your frozen credit reports?
- Africa
- Drawbacks
- 3. Ongoing investment
- Burial insurance
- Pros of investing in REIT stocks
- Cons of a 203(k) loan
- Where is the best place to exchange currency?
- Roth IRA vs. traditional IRA: What's the difference?
- Final thoughts on the different United economy fare classes
- Compare top-rated life insurance companies
- 9. Maximize trade-in value, if applicable
- 7. Self-publish an e-book
- 3. Prep for grocery shopping
- Walmart2Walmart
- Allianz Global Assistance
- How much is the gift tax rate?
- 17. Begin niche blogging
- Nonresident status rules
- 14. Fitness studio or gym
- File an appeal
- 3. Find your vending machine
- Corporate bonds
- Reviews
- 6. MoneyLion: Best for existing customers
- Cons of C corporation
- 11. Offer freelance creative services.
- 12. E-commerce
- How much does homeowners insurance cost in Florida?
- Home equity line of credit
- Refinancing
- How do you get a perfect credit score?
- How to use a W-4 to owe nothing on a tax return
- 9. Price out prepaid gas
- How to earn other travel rewards through your Avis car rental
- Dividend payout ratio
- Bottom line: Is umbrella insurance worth it?
- MetaMask: 4.0 out of 5 stars
- Tory Burch Foundation Fellows Program
- Dollar-cost averaging
- 10. Narrow down your ideal type of house and neighborhood
- How do you file a state tax extension?
- 21. Starbucks
- Government recording fees
- Is getting a HELOC a good idea?
- Bottom line: Is it worth claiming the child and dependent care tax credit?
- Middle East
- Fuel card vs. business gas credit card
- Should you invest in AI stocks?
- 4. Take advantage of free resources
- Next steps
- How do I find a currency exchange near me?
- 16. Event space
- 13. Travel expenses
- Compare insurance rates by driver history
- Universal Express Passes, recapped
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- Bonzah
- 7. CDs
- Getting the timing right
- 10. Medical product sales
- After deciding
- More reading for active investors and traders
- Types of stock charts and how to read them
- 9. Payroll: 25% to 50% of your total budget
- Don’t mix personal and business matters...
- 7. Poshmark
- How can I check and monitor my credit?
- 4. Potential for conflict
- Edmunds
- September
- Cons of investing in REIT stocks
- Bonuses that vary with spending
- Earn an audience, and earn more in the long run
- What’s happening with Silvergate Capital Corp.?
- Best AARP discounts
- 18. Become an e-book writer
- 15. Tutoring business
- Why are California gas prices so high?
- 5. Build a community
- Ask for another at-home visit
- 12. Keep the books for local businesses.
- Florida Mortgage Credit Certificate Program
- How to shop for Medicare Advantage plans
- 22. Wingstop
- Loan-origination charges
- Pros
- Asia
- Hurricanes
- AmEx Centurion Lounge locations
- 10. Vacation rentals
- Where can you exchange currency for free?
- 17. Interior decorating
- 10. Walk or ride
- Are dividends taxed?
- 10. Make the purchase
- Waiting periods
- In-flight experience
- Rental Cover
- If you're ready to start a budget
- S corporation
- How much does liability insurance cost?
- Golden crosses and death crosses
- Pros and cons of cryptocurrency
- 13. Portable charging devices
- 5. Buy index funds
- Cash-out refinance
- Other factors to consider
- Alternatives to bootstrapping
- How will Apple Card's security features work?
- How full coverage car insurance works
- What happened to Credit Suisse?
- 14. Interest
- Find the best life insurance policy for you
- 8. Get advertising revenue from your blog or YouTube channel
- Winner: British Airways
- Property-based passive income ideas
- Common gift tax return triggers
- 16. Ice cream shop
- Chase Freedom Unlimited®
- Average cost of homeowners insurance in Florida by city
- Lenders that offer small loans and fast funding
- 6. BookWithMatrix
- 23. Red Lobster
- Mortgage insurance or fees for government-backed loans
- Cons
- 5. Lack of financial privacy
- 3. Building a budget
- Investing in REITs: How to get started
- Discover it® Cash Back
- How to open a Roth IRA in 4 steps
- 18. Woodworking or furniture building
- Next steps
- Consumer Cellular
- 4. Minimize restaurant spending
- Sure
- 19. Start ghostwriting
- California state tax credits
- Electrum: 2.5 out of 5 stars
- Complain to the state insurance department
- 11. Telehealth consulting
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Pros of S corporation
- Cryptocurrency pros
- Nationwide
- What is credit card consolidation?
- …but don’t let your business take over your friendship.
- Which states have tax deadline extensions?
- 5. Focus on investing for the long-term
- Oceania
- Best insurance company for having few customer complaints: American Family
- 11. Electronics repair
- 1. Decide what type of investor you are.
- Other ways to make money
- W-4 calculator
- Compare car insurance rates for drivers with a DUI
- Cost, service fees and deductibles
- Western Union
- Gifting large sums of money to family
- 17. Dry cleaner
- 4. Money market funds
- 13. Dip your toe in the food industry.
- Small-business incubator programs
- Best for low-cost plans: Humana
- 10. Professional consultants: Between $1,000 and $5,000 per year
- Delta vs. Alaska: The results
- Advantages of franchising for the franchisor
- Volcanic activity
- Other types of life insurance
- FHA vs. conventional loans: Summary
- PocketGuard, for a simplified budgeting snapshot
- Which is better: Marriott Bonvoy or World of Hyatt?
- October
- 15. Bad debt
- 8. Buy a rental property
- 20. Become a resume writer
- Get an appraisal
- 4. Explore your financing options
- Cons of S corporation
- 14. Publishing e-books
- 6. Keep an eye on your index funds
- Why is homeowners insurance so expensive in Florida?
- Personal loan
- 11. Stick to your budget
- Apparel and shoes
- Pest inspection
- Does your business need a fleet fuel card?
- 19. Graphic design
- Understanding life insurance quotes
- Car rental insurance: The bottom line
- California earned income tax credit (CalEITC)
- 18. Bookstore
- Cryptocurrency cons
- 5. Optimize your stock portfolio
- How does credit card consolidation work?
- 24. American Eagle
- Is it better to get a home equity loan or line of credit?
- 1. Access to capital
- Cheapest car insurance for young drivers
- Used Car Search Pro by iSeeCars
- Conventional loans
- Final thoughts on Centurion Lounge access
- What money insights will it offer?
- Discover it® Chrome
- Are other banks are in trouble?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- How to choose among the best ways to send money internationally
- Should you choose hotel and airline rewards over Avis Preferred Points?
- 5. Get discounts on entertainment
- Paying for vacations, cars or other stuff
- 21. Open a coworking space
- Can't finance before you sell?
- 3 best cold wallets
- Does the president control gas prices?
- 12. Education specialist or course creator
- Are you ready to start a business with your friend?
- Prepaid expenses
- Earthquakes
- 20. Clothing boutique
- Our pick for: Maximized value
- Bank of America® Customized Cash Rewards credit card
- What else to know about Form W-4
- How to compare life insurance quotes
- 9. Become an Instagram influencer
- 9. Rent out your own house
- California young child tax credit (YCTC)
- 19. Bed and breakfast
- Limited liability company
- Testing a resistance level
- 14. Do home or tech repairs.
- 15. Fitness tech
- First-time home buyer programs near Florida
- 6. Manage your stock portfolio
- 25. Anthropologie
- 4. Saving money
- Small business card bonuses
- Our pick for: Your choice of expenses
- 1. Has the W-4 form changed?
- The bottom line
- Giving a laid-back loan
- 8. Klover: Best for no-fee advances
- 6. Know when to sell stocks — and when not to
- 2. Efficient growth
- Different types of life insurance by underwriting
- FHA loans
- November
- 12. Academics courses
- How to find cheap full coverage auto insurance
- Should I take my money out of the bank?
- 21. Bed and breakfast
- 16. Taxes
- Life insurance quotes vs. rates
- 6. Map out major purchases
- 22. Become an online coach
- California child and dependent care tax credit
- 20. Floral shop
- 5. Mutual funds
- Cryptocurrency legal and tax issues
- 12. Make the most of walk-throughs and open houses
- 26. Banana Republic
- Tax monitoring and research fees
- What to do if you can’t keep up with your HELOC payments
- Ink Business Unlimited® Credit Card
- How claims work
- 10. Get a roommate
- Setting up joint bank accounts
- How does the Israel-Hamas war affect gas prices?
- Try mediation
- 13. Medical billing and coding contractor
- Pros of LLC
- 16. Online teaching
- National first-time home buyer programs to consider
- Alternatives to startup business grants
- 11. Insurance: Average of $1,200 per year
- Is consolidating credit card debt a good idea?
- Hawaii insurance department
- What if I need help?
- 2. Choose how much you want to invest.
- 22. Food truck
- 2. What does it mean to be exempt from taxes?
- The bottom line
- Zelle:
- 23. Flip failing websites
- California adoption cost tax credit
- 21. Gardening and landscaping
- U.S. Bank Cash+® Visa Signature® Card
- 15. Plan parties, events, or weddings.
- State Farm
- What to know about Florida homeowners insurance
- Final thoughts on the best flight booking site
- 27. DSW
- Title-related costs
- 3. Minimal employee supervision
- Fully underwritten life insurance
- Other life insurance options for seniors
- Home warranty
- 10. Monetize your Twitch channel
- Alternative investment passive income ideas
- Ledger: 5.0 out of 5 stars
- Cons of LLC
- 17. Mobile application development
- Best stocks for beginners
- Best insurance company for financial strength: Auto-Owners
- Cheapest auto insurance for senior drivers
- TrueCar
- What’s the deal with the titanium card?
- Ink Business Cash® Credit Card
- 13. Language courses
- Comparing full coverage car insurance quotes
- Are we in a recession?
- 17. Employee salaries
- Best pay-as-you-go plans
- 7. Restrict online shopping
- 24. Become a web developer
- California nonrefundable renters tax credit
- Turn to litigation
- Hurricanes and tropical storms
- Can I still use my credit card after debt consolidation?
- Home purchasing tips
- 28. J. Crew Factory
- 3. Gather your paperwork.
- 23. Restaurant or cafe
- 22. Nail salon and spa
- 6. Index funds
- 14. Career coach
- Your decision: Is cryptocurrency a good investment?
- 13. Don’t skip the home inspections
- 4. Increased brand awareness
- Honeydue, for budgeting with a partner
- December
- 11. Peer-to-peer lending
- 25. Start a podcast
- 5. Stock your vending machine with inventory
- Pros and cons of loan apps
- The bottom line on how to read stock charts
- 18. Search engine optimization consultant
- Best among startups: Devoted Health
- 12. Taxes: Variable, but 21% corporate tax rate
- 29. Journeys
- Simplified issue life insurance
- More about buying life insurance as a senior
- 24. Craft brewery
- 3. When should I review my W-4?
- 18. Employee benefits programs
- Ultra Mobile
- Trezor: 4 out of 5 stars
- 23. Photography
- How to choose the best business entity type
- 16. Become a fitness instructor.
- Closing costs for the seller
- 5. Reduced risk
- Why you can trust NerdWallet
- 8. Delay purchases with the 30-day rule
- 26. Be a social media influencer
- How to track your California state refund
- More tips
- 19. Social media consultant
- 30. Madewell
- 14. Business or marketing courses
- 4. Pick your investments.
- Are we headed for a depression?
- Compare auto insurance rates for drivers with poor credit
- Home insurance
- 11. Sell your photography
- 24. Clothing boutique
- 15. Child care provider
- Pros
- 14. Negotiate with the seller
- The bottom line on investing in stocks
- Real estate agent commissions
- Guaranteed issue life insurance
- Cheapest car insurance by state
- 25. Ice cream shop
- Prime Visa
- 4. Can I adjust my W-4 multiple times throughout the year?
- 19. Employee gifts
- What to know about the best ways to send money
- 12. Private equity
- Business entity summary
- 17. Become a doula.
- Travelers
- 13. Travel: Variable
- 31. Old Navy
- Disadvantages of franchising for the franchisor
- 9. Get creative with gifts
- 27. Create online courses
- SafePal: 3.8 out of 5 stars
- 25. Daycare
- 6. Make the right investments
- 20. Drone videography
- Property and transfer taxes
- More about top-rated life insurance companies
- 26. Personal chef
- Our pick for: Prime gaming
- Tracfone
- 32. Target Circle
- 1. Loss of complete brand control
- Which type of life insurance should you get?
- 15. Personal wellness
- Citi Custom Cash® Card
- 20. Contracted labor
- 28. Become a marketing consultant
- California state sales tax
- 26. Brewery or winery
- How to choose the right nurse entrepreneur idea
- Wells Fargo Autograph℠ Card
- Cons
- 18. Start a dropshipping business.
- 21. Cybersecurity or IT consulting
- Sinkholes
- 14. Shipping: Variable
- 15. Buy adequate home insurance
- Title insurance
- Best insurance company for discounts: Amica
- 27. Landscape services
- Our pick for: Earning more automatically
- Budgeting resources from NerdWallet
- What if you're not eligible?
- How to make money from home
- 10. Lower your car costs
- 13. Crypto staking
- Methodology
- 27. Hardware store
- Assess your skills
- 19. Maintain lawns in your area.
- Beauty and personal care
- 2. Increased potential for legal disputes
- The best life insurance companies in April 2024
- 28. Pet grooming
- 21. Legal and professional fees
- Home insurance vs. home warranty: Bottom line
- 29. Develop an app
- 7. Exchange-traded funds
- 22. Venture capitalist
- How to save on startup costs
- 33. Aveda
- 5. Maximizing your credit cards
- 12. Become a dog walker with Rover or Wag
- Boost Mobile
- 5 things to know about California state tax
- 28. Catering company
- 20. Become a virtual assistant.
- How much does Medicare Advantage dental coverage cost?
- How to get cheap car insurance
- 16. Courses in hobbies or interests
- 29. Florist
- 11. Reduce your gas usage
- Are cash advance apps payday lenders?
- USAA
- 34. BareMinerals
- 3. Initial investment
- How to claim small-business tax deductions
- 30. Make a smart appliance
- 29. Real estate agency
- Align your schedule
- Florida department of insurance
- Home warranty
- 21. Become a life coach.
- 23. Startup incubator
- Secure funding
- 35. Clinique
- Methodology to identify the best budget apps
- 30. Massage therapist
- Product creation passive income ideas
- 31. Tap into virtual reality experiences
- 30. Event venue and planner
- What if you have Original Medicare?
- Looking for more insurance in Florida?
- 4. Federal and state regulation
- 17. Bookkeeping and accounting
- What are the Roth IRA withdrawal rules?
- Home insurance
- 13. Sell unused gift cards
- 12. Bundle cable and internet
- 8. Stocks
- Are apps like DailyPay and Payactiv cash advance apps?
- 36. CVS
- Risks of getting cheap auto insurance
- 32. Make a niche dating site
- 31. Tattoo and piercing shop
- Individual stocks
- Feed your passion
- 24. Antivirus developer
- Roth IRA withdrawal rules
- Target Circle™ Credit Card
- Equipment breakdown coverage
- 14. Write content
- Pros and cons of starting a vending machine business
- 22. Manage a local business’s social media channels.
- How to shop for Medicare Advantage plans
- 37. e.l.f. Cosmetics
- 31. Nutritionist
- Best flexible plan
- 13. Switch your cell phone plan
- 33. Develop a chatbot
- 32. Veterinary office
- Chase Freedom Flex℠
- 25. Domain name broker
- Get a business credit card
- Best insurance company for customer satisfaction: State Farm
- The final word
- 6. Borrowing money
- 18. Consulting
- Roth IRA withdrawal penalty
- Our pick for: Target gaming purchases
- Pros
- Alternatives to cash advance apps
- 38. Lancome
- 32. Personal trainer or fitness instructor
- Compare insurance rates for drivers with an accident
- 14. List your spare bedroom on Airbnb
- 34. Offer matchmaking skills
- 33. Food truck
- 23. Monetize your own social media channels.
- The benefits of an auto and home insurance bundle
- Ting
- Cons
- Dividend stocks
- 39. Sephora
- Costco Anywhere Visa® Card by Citi
- 14. Reduce your electric bill
- 35. Be a virtual assistant
- 34. Health clinic
- 24. Become an SEO consultant.
- The bottom line
- 33. Beauty services
- Our pick for: Wholesale shoppers
- 40. SmashBox
- 15. Publish a digital course
- 35. Bakery
- 25. Go freelance.
- The drawbacks of an auto and home insurance bundle
- Frequently asked questions
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- 1. What is the average cost to start a small business?
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- 37. Create eco-friendly, health-friendly makeup and beauty products
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- 2. How do you calculate startup costs?
- 42. Ulta
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- 15. Sell your gently used clothes
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- 9. Alternative investments
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- 20. Graphic design
- 35. Tutor
- 38. Open a food truck or restaurant pop-up
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- 3. Are business startup costs tax-deductible?
- Entertainment
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- 39. Start an organization business
- 43. AMC Theatres
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- Our pick for: Walmart gaming purchases
- 17. Rent out a parking space
- 40. Do interior design for young professionals
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- 4. What is considered a startup cost?
- 44. Barnes & Noble
- 21. Social media management
- 37. Senior care provider
- 16. Trade in old phones, electronics for cash
- 18. Set savings goals
- 10. Cryptocurrency
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- 45. Redbox
- 38. Interpreter or translator
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- Calculate the costs of starting a business
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- 39. Housecleaning
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- Our pick for: Paying rent
- 17. Get a babysitting gig
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- 11. Real estate
- How we chose the best home and auto insurance bundles
- Best car insurance companies by state
- 7. Your credit score
- 40. Automotive repair
- 23. Virtual assistant services
- 1. Gather your information
- 20. Pay off high-interest debt
- 41. Handyman services
- PlayStation Visa Credit Card
- Our pick for: PlayStation purchases
- 18. Rent out your car
- 21. Keep savings in a high-yield savings account
- How to start a profitable business
- 42. Dry cleaners
- How to choose the best investments in 2024
- How to find the best car insurance
- 43. Hardware store
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- 1. Do your research
- 44. Self-storage business
- 19. Sign up for TaskRabbit
- 2. Get organized and make it official
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- 46. Rideshare driver
- 3. Find the right financing
- 20. Become a private tutor
- 47. Website development and design
- 48. Sell clothes online
- Best Buy credit cards
- Our pick for: Best Buy purchases
- 3. Decide if you need full coverage car insurance
- 24. Join initiatives to get free items
- 8. Taxes
- 49. SEO consultant
- 21. Drive for Uber, Lyft
- 50. App development
- 25. Use car sharing services
- Want to start a business?
- 22. Make deliveries for Amazon, Uber Eats
- 9. Paying off debt
- 26. Stock up on household supplies when they’re cheap
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- 27. Enjoy community events
- Xbox Mastercard
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- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- How to choose an insurance company
- 25. Put your drone to work
- Compare car insurance companies
- Watch out for making money scams
- 10. Insurance
- 11. Investing
- 12. Starting or running a business
- 13. Travel
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- 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.