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8 Ways to Increase Social Security Benefits
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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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- Fixed expenses vs. variable expenses
- 1. Consider your vending machine options
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- Are paid surveys worth it?
- 1. Give your money a goal
- 50% of your income: needs
- No-penalty CDs: the big exception
- Tools you can use
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- 2. Stick to a 10-year repayment plan
- Flexibility
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- A freelancer business might not work if:
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- LendingClub Tailored Business Checking
- Step 2: Pre-qualify and compare offers
- Making referrals: Caveats and considerations
- Show your military ID
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- Average net worth by age
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- Citi Simplicity® Card: Forgiveness for the forgetful
- Florida corporate income tax
- EBay
- 4. Nix DVR service
- 2. The upgrade path is straightforward, if lengthy
- 1. Find your 'why'
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- Step 2: Register your business
- After the on-ramp
- Ways to receive the money
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- Missing the 'standard' cut
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- THE PAYOFF
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- If you pay for a credit monitoring service
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- 2. You might boost their credit
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- 4. Select a single or joint account
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- 1. Inspect the check
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- How much does Tesla car insurance cost in my state?
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- Create a budget
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- Coast
- Other student loan calculators
- Information you’ll need
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- Is it a good deal?
- The Platinum Card® from American Express
- If you're less than 30 days late
- Necessity doesn’t drive most retirement plan cash-outs
- Different kinds of bags on Frontier
- Discover Bank, 4.25% APY, no minimum opening deposit
- Limited FHA 203(k) loans
- Vinyl or PVC
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- My Best Buy Total
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- Other alternatives to Mint
- 2. Shop around online
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- Understand you’re probably a speculator, not an investor
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- Large-cap companies: $10 billion or more
- Skip: Seasonal products
- Public Service Loan Forgiveness
- 4. Create a food waste solution
- Chase: Best for sign-up bonuses and best for branch access
- 2. Find the right location
- Blockchain pros and cons
- Credit lock: There may be a catch
- When to tip your hotel housekeeper
- 2. Make winter gift baskets
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- More about the best renters insurance companies in California
- Student loan interest deduction form
- Best iOS personal expense tracker apps
- Child tax credit 2024 (taxes filed in 2025)
- Is cash in a sweep account FDIC-insured?
- Earn more miles when you support LGBTQ+ organizations
- Why do entrepreneurs choose bootstrapping?
- Reasons to consider removing an authorized user
- 2. SuperSuds
- Earned income tax credit 2023
- What is on a Schedule C form?
- How to create a home inventory
- 1. Get your business basics in order
- Roth IRA income limits 2024
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- Qualifying for a USDA-guaranteed mortgage
- Towable RVs
- Air Canada standard seat selection fee
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- Certificates of deposit
- Step 2: Account for multiple jobs
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- No industry restrictions
- 3. Some financing plans charge a ‘promotional fee’
- Prepare for long-term care
- Understand why your spouse has bad credit or no credit
- 17 traditional banks that use Zelle
- How unpaid medical bills can harm your credit
- Other types of licenses for online selling
- Determining individual employee salaries
- Short-term capital gains tax
- Useful reward categories
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- NerdWallet’s budget planner
- How to get started
- 2. The child has to be under a certain age
- Myth 3: You don’t need life insurance if you’re young and healthy
- How to estimate car insurance costs
- Self-employed or a small-business owner?
- 3. How much are you willing to pay in upfront costs?
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- Home equity line of credit (HELOC)
- Chase Business Complete Banking
- 2. Roll your old 401(k) over to a new employer
- Making referrals: Caveats and considerations
- What is identity theft?
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- Interest
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- 5 best business internet service providers
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- What does a 0.5% rate increase mean for stocks?
- Online brokerage account
- Determining your income tax liability
- 2. Ask for higher credit limits
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- Pay the difference in cash
- If you have a high-deductible health plan with an HSA
- Find a co-signer
- Upstart Holdings Inc. (UPST)
- Estate tax rates
- SALT deduction for income taxes
- What do credit unions offer?
- How to pay down your debt faster
- All elite members
- EveryDollar
- How being an authorized user could hurt your credit
- What about in states where it’s legal?
- 5. Accept the terms and conditions
- Help a neighbor in need
- 3. Make it low-maintenance
- If you're younger than 59½ and the account is at least 5 years old
- Flight cancellations
- Automate
- Apply for mortgage forbearance
- 2. You’ll avoid more fees
- Changes and cancellations
- 2. Rakuten
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- Other forgiveness programs
- How does Apple Music fit into your budget?
- Premium: $22.99 per month
- Wells Fargo Active Cash® Card
- Build an emergency fund
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- 4. Skip the phone upgrade
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- Are Vanguard index funds a good investment?
- 1. Reconcile your account
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- If you qualify for a hardship withdrawal
- What is an index?
- Step 2: Grow your network
- 3. You won't see as many offseason closures
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- The details
- See CD rates by bank
- For consulting reviews from other cruisers: Cruise Critic
- Overall cost
- If you're more than 30 days late
- 3. Hostelz
- 3. Apply for an LLC bank account
- Varo, 3.00% APY, no minimum opening deposit
- Metal
- Credit cards
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- Buying a manufactured home
- 1. Start with a budget
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- 3. There’s a mistake in your credit report
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- How we chose the cheapest companies in California
- 1. Allianz Travel
- How long can you lock in a mortgage rate?
- Pros and cons of investing in real estate
- How do Marriott Bonvoy points compare to other hotel programs?
- SBA 7(a) small loan: May not require collateral
- Another money-change option: online currency converters
- Bonanza
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- Benefits at-a-glance
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- Joann
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- Book an ANA award flight
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- Shop: Black Friday, Cyber Monday sales
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- 5. Capitalize on plant-based foods
- Learn more about life insurance riders
- Discover® Bank: Best online banking experience
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- Halloween is a huge holiday for Disney
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- Different levels of coverage
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- Cheapest life insurance companies for preferred applicants
- Our tips
- Requirements: Who qualifies for the child tax credit?
- 5. Walk a dog or feed a pet while your neighbor is away
- Features
- Best car insurance for seniors: star rating
- 4. Set clear emergency savings goals
- Working with your lender
- Basic stock chart terms to know
- Can your Uber fare change?
- 5. Automate your accounts to meet your goals
- Two kinds of reverse mortgages
- Best burial life insurance policies for 2024
- 3. Earn more
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- Understand the COVID-related documentation you’ll need
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- 2. Skip EarlyBird (but still get a good spot in the boarding line)
- Buy-sell agreement
- 2. Apply for a credit card consolidation loan
- Cons
- What if I didn't get an extension?
- 30% of your income: wants
- 4. There are no rewards or other benefits
- 2. Account for your family's needs
- Be ok with baby steps
- Child care eats up a significant percentage of income for many
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- When you need to contact all bureaus vs. just one
- 3. Taxes on investments in a 401(k)
- 1. Calculate the car payment you can afford
- How to deal with a suspended credit card
- More about Capital One
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- Seller’s permit or vendor’s license
- How much is YouTube TV for 1 year?
- Type of job
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- Median income by city: 2021
- March
- Standard FHA 203(k) loans
- Making reservations
- 2. Kayak
- Ready to see your options?
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- 3. Marriott Myrtle Beach Resort & Spa at Grande Dunes, Myrtle Beach, South Carolina
- What’s the Florida state sales tax?
- AutoCheck is better for the price conscious
- SeaWorld, San Diego
- National Endowment for the Arts
- 4. Comprar los beneficios dentales
- 6. Bundle cable and internet
- Debt-to-income ratios
- Do all workers earn at least the minimum wage?
- EveryDollar
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- Some NerdWallet favorites: Secured
- Types of credit
- 2. Make risk your friend
- Get a secured credit card
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- Verizon Fios Business
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- Contact potential clients with “Connects”
- Cash is king
- 3. Snow removal
- Delay your purchase
- What are AI stocks?
- 2. ... But rewards are complicated, and their shelf life is short
- How can I keep my seed phrase safe?
- 6. Submit your application
- 3. Miles are versatile
- What is the average credit score overall?
- 3. Determine other ownership costs
- Can’t qualify for a business loan
- United canceled flight compensation: travel credits and miles
- EITC 2023
- How to find the best stocks to buy now
- How to fill out Schedule C
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- 4. Open the mobile deposit function in your bank app
- 4. Neither card offers perks
- Cheap car insurance from midsize companies
- 2. Dividend index funds and exchange-traded funds
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- All year
- How to pay off a mortgage early
- Do personal credit scores affect business credit scores?
- 3. Where will you charge it?
- Save for retirement
- How far in advance should I get preapproved for a mortgage?
- 3. Auto repair
- Best car insurance companies: Our winners
- 5. Cash in on discounts
- Lack of transparency
- 2. Correct mistakes
- Tip about banks vs. credit unions
- WEX
- Your family size and location
- 12 credit unions that use Zelle
- Average daily balance
- 1. The home must be your principal residence
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- Bask Bank, 5.10% APY, no minimum opening deposit
- 3. The child has to live with you
- Labor costs
- Myth 4: If you have health issues, you can’t get it
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- What is a hardship loan?
- 3. Comparison shop between brands (the discount ones aren't always cheapest)
- Don’t forget to claim other life insurance policies
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- 3. Call the IRS to locate your EIN
- VA and USDA loans: 0% down payment
- Start small and diversify
- 529 plans by state
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- How Azlo business checking works
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- The type of central air unit: $600 to $24,000
- 6. Start a dropshipping business
- Managed brokerage account
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- Retirement investment account types in a nutshell
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- 3. Register your business
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- If your employer has fewer than 20 employees
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- Pay off debts in order of interest rate
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- 6. Babysit a kid for a great hourly rate
- biBERK business insurance: Types of coverage
- 2. Consider debt consolidation
- The value of high APYs
- Compare insurance rates for 20-year-olds
- Reliability
- 6. Streamline your bank accounts
- Winner for value of program and rewards: American Airlines
- 3. Rewards aren't competitive
- 2. Ask yourself why you received the check
- Do the math
- Average interest checking account rate: 0.08%
- Best car insurance companies: Our winners
- Getting the best HELOC rate
- Step 3: Claim dependents, including children
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- Things to consider about CMAs
- Top 8 Bitcoin strategy ETFs by fee
- What is the fee for Global Entry?
- Investor responses to bull market vs. bear market cycles
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- How to get medical bills off credit reports
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- Card readers and apps
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- If it's an error
- Food and drink
- Higher Education Act justifies plan B
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- Ways to get good value
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- SBA Express loan: Best for quicker application process
- IRA vs. 401(k): A road map
- SeaWorld, Orlando
- 3. Good credit habits can boost credit limit or lower APR
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- The Chase Freedom Unlimited® offers a solid flat rate on 'everything else'
- 1. Get sponsored
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- Tenant screening services
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- Revolving credit
- 3. Your lifestyle
- Delta Air Lines SkyMiles
- Don’t worry about the rest
- Full Review
- Bonus: Veterans Day
- Joint cardholders
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- Banner life insurance rates
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- Which states have an estate tax?
- 1. Add up your payday loan balances
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- YNAB
- How do I find my lost 401(k)?
- How to claim the child tax credit
- Who benefits from becoming an authorized user?
- 7. Fund your new account
- 4. Make it more efficient
- Does age affect your credit score?
- 2. Capacity/cash flow
- If you’re 59½ or older and the account is less than 5 years old
- What happens when the Fed raises interest rates?
- Why is Bitcoin still popular?
- You can grow your money in a high-yield savings account
- Best homeowners insurance in Wyoming for coverage: State Farm
- Should you tip an Uber driver?
- Winner for best reliability: Delta
- Apply for loan modification
- 3. Buy a local SIM card in your destination
- 3. They have helpful account features
- Does basic economy get a carry-on on United?
- Be proactive
- 3. Choose how much you want to invest
- Where to rent an RV
- Tesla car insurance rates by state for a Model 3
- How to deposit funds into the Apple savings account
- Pay off debt
- Set expense limits and find ways to save
- 5. What is the annual percentage rate?
- What to know if you take online surveys
- 2. Decide how much help you want
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- Customer complaints
- Standard deduction 2023
- How much does it cost to buy Vanguard index fund shares?
- 20% of your income: savings and debt
- 3. Establish your directives
- Do you have to pay need-based aid back?
- 3. Plan for income-driven repayment forgiveness
- Need more information?
- Step 3: Choose a business entity
- Will a suspended credit card impact your credit score?
- Money market accounts
- Average pay
- More bonus categories
- 4. StudentUniverse
- The Federal Trade Commission’s budget worksheet
- Factors that affect the cost of car insurance
- 4. How far do you drive?
- Book with points
- Who can open a joint business account
- Show proof of permanent disability
- 4. You’re a victim of identity theft
- Unlimited music streaming
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- Where to exchange currency outside the U.S.
- 7 types of identity theft and the warning signs
- 5. Fijarse solo en la prima
- 7. Negotiate a lower rate
- Preferred Rewards
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- How to earn JAL Mileage Bank miles
- Nonresident status rules
- Serve American Express Prepaid Debit Account
- Credit Karma
- The American Airlines Flagship business class experience
- Paying early also cuts interest
- Assurant renters insurance coverage
- Disney Quick-Service Dining Plan
- The state of home improvements
- What happened to mortgage rates in July
- More about term life insurance
- Mid-cap companies: $2 billion to $10 billion
- Sole proprietorship taxes: Special deductions
- How to check your credit score without hurting it
- UFB Direct: Best savings account
- Equifax
- Contact your previous employer
- How high is the bar for cannabis coverage?
- 7. Whip your neighbor's yard into shape
- Roth 401(k)
- Warranty
- Mishandled luggage
- 0% balance transfer credit card
- 3. The Eco Laundry Company
- How to unfreeze your credit
- 2. Document your charitable contributions
- If your income exceeds the Roth IRA limits
- Compare Roth 401(k) vs. traditional 401(k)
- 5. Take clear pictures of the check with your mobile device
- How to choose a life insurance company in 2024
- How do streaming services fit into your budget?
- Now consider everything else
- Step 4: Refine your withholdings
- Best insurance company overall: Travelers
- 6. Add lines
- Goodbudget, for hands-on envelope budgeting
- When are state taxes due in 2024?
- Pay yourself back later
- Does YouTube TV allow password sharing?
- Chase Sapphire Reserve®
- Hold a co-branded credit card — or two
- How long does a late payment stay on my credit report?
- How employers can counteract the temptation to cash out
- Other Frontier fees
- How to choose the best high-yield savings accounts
- 4. The child can't provide more than half of their own financial support
- 203(k) eligible projects
- Check-in
- Myth 5: If you’re single and have no dependents, you don’t need it
- Fees for USDA and VA loans
- Request your passport number from the State Department
- Choosing a manufactured home lot
- Contributions are tax-free
- Accepting a Capital One referral: Caveats and considerations
- 2. Choose an investment account
- 4. Cash out your 401(k)
- Gift tax limit 2024
- Cheap car insurance in California by age
- How to lock in a mortgage rate
- Why is net worth important?
- SBA loan alternatives
- 4. AC Hotel Miami Beach
- Economic Development Administration
- What I wish I'd done differently
- Local sales
- Keep an eye on everything else
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- Earn by flying
- Best life insurance company overall: MassMutual
- Are the paid My Best Buy memberships worth it?
- 1. High-yield savings accounts
- 1. Multiply your income by 10
- How to get a hardship loan
- Jim Steere Memorial Veterinary Student Scholarship
- Credit bureaus
- Conventional mortgages: As low as 3% down payment
- 4. Peer-to-peer lending
- Installment credit
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- What to know about applying
- Alaska Airlines
- Where Coinbase Wallet shines
- What fine print should I look out for?
- Perkins loan cancellation
- 7. Curate subscription boxes
- 3. Set up balance alerts to stay on top of spending
- How to leave tips for housekeeping
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- Example of an appraisal gap
- How to reduce your risk
- 2. Shop around for the best loan
- Platinum elite, Titanium elite and Ambassador elite
- 3. Evaluate other factors
- Money market account vs. brokerage sweep account
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- 4. It offers two free checked bags
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- 4. Find the right car for you
- If you're 59½ or older and the account is at least 5 years old
- Why improved credit isn't always a good reason to remove an authorized user
- Other ways to avoid repossession
- Earned income tax credit 2024
- How often you travel
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- 2. Pick a product to import or export
- 4. Consider your spouse
- Qualifying for a Single Family Housing Direct Home Loan
- Lightning Lane Pass
- How to find high-yield alternatives
- Best insurance company overall: Travelers
- Lengthy contract, early termination fees
- 3. Keep records
- 5. Pre-qualify without affecting your credit score
- Is a CMA right for me?
- CD early withdrawal penalties at banks and credit unions
- 3. Learn to use AI tools
- How to dispute errors on your credit report
- When to estimate closing costs
- How much do index funds cost?
- What doesn’t impact your life insurance premium
- 4. Weather is generally pretty good
- 2. Take a cut with affiliate marketing
- 2. You must have owned the home for at least two years
- How to dispute a medical bill on your reports
- Point-of-sale hardware
- How are dividends taxed?
- How to pay for a new deck
- 2. Create your envelope categories
- Partner awards from other airlines
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- Log those volunteer hours
- Treasury bond and note calculator
- Whole Foods deals
- PenFed: Best for a seamless application process
- The cons
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- Are Treasury bills a good investment?
- 1. Credit identity theft
- Local sales taxes in Florida
- Kids need an ID when flying internationally
- If your employer offers a 401(k) match
- Pros and cons: SeaWorld all-day dining upgrade
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- 8. Seek out cheap cable
- 3. Read reviews
- Mortgage insurance
- Kirkland’s
- Step 3: Obtain business licenses, permits, and insurance
- What is Massachusetts' standard deduction?
- Sign-up bonus
- Key things to know about stocks
- At the airport
- Interchange
- Relax in an airport lounge before your economy flight
- Worthwhile timeshare offers, by chain
- What does it mean for inflation?
- 3. Enroll in autopay
- Vio Bank: Best money market account
- How to get a home equity loan
- Potential penalties
- SALT deduction for property taxes
- Don’t want to take on additional debt
- Best car insurance for seniors: budget pick
- Personal loans
- More advanced stock chart terms
- How to fit Uber into your budget
- An alternative to chasing the best stocks
- 3. Swagbucks
- 3. Don’t use the money
- Frugal DIY project tips
- What company has the cheapest Tesla car insurance?
- Protect your vacation budget with travel insurance
- How much should you spend on a mattress?
- What is a good business credit score?
- 4. What will you use the car for?
- 3. Think 'SMART'
- How does a HELOC work?
- 4. Personal trainers
- Step 5: Sign and date your W-4
- Terminal B: British Airways Lounge, SAS Lounge and USO Center
- Getting life insurance as a small-business owner
- 6 types of dividends
- How to get Global Entry through travel cards
- Other fuel cards to consider
- Some parents are taking or took steps to reduce child care costs
- Slightly richer rewards structure
- If you are converting your 401(k) to an IRA
- Learn more about Zelle
- Step 4: Obtain an EIN, insurance, permits, and licenses
- How can you avoid a credit card suspension?
- 2. Solo 401(k)
- Sales tax license
- Who might prefer the Capital One Quicksilver Cash Rewards Credit Card
- April
- 5. The child can’t file a joint tax return with someone
- Boarding
- Apply for a Delta SkyMiles credit card
- USDA guarantee fee
- How do you find out how much equity is in your home?
- Account growth is tax-free
- How long will it take to pre-qualify?
- 5. Someone else used your credit card account
- Gas bill
- 2. Seven Corners
- How to accept a referral for an AmEx card
- Bathrooms
- Online lenders
- Citi® Diamond Preferred® Card: 0% intro APR period, but much less forgiving
- International travel with an adult
- Which vehicle history report should you get?
- 6. Comprar porque lo tiene un amigo
- Mistake No. 2: I maxed it out
- If you fly Singapore Airlines’ economy class
- No foreign transaction fees
- Why should I open a bank account if I'm undocumented?
- Consider the value before buying My Best Buy Plus or My Best Buy Total
- How do you pick between the Chase Freedom Flex℠ and the Chase Freedom Unlimited®?
- Do tipped workers earn the minimum wage?
- 3. Apple Pay Later
- 4. Max out your retirement accounts
- Fight for forgiveness
- Goodbudget
- 4. Leverage memberships
- What should you do if you can’t pay your business credit card?
- Common stocks vs. preferred stocks
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- Service credit
- THE PAYOFF
- Prepaid 529 plans by state
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- Small-cap companies: $250 million to $2 billion
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- Saving for retirement as a nontraditional worker
- 4. Choose a business name
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- Search databases
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- How fast does an authorized user build credit?
- How to choose the best savings account
- Other popular ways to make money in one hour usually come with a catch
- What's next?
- EITC 2024
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- Schedule C: Tips and tricks
- Don’t limit yourself to springtime to clean up your bank accounts
- Eliminate mortgage insurance
- 4. Utilize an eSIM card
- Other high rates to consider
- 5. There are no other Merrick Bank credit cards to graduate to
- 4. Select a provider to open your Roth IRA
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- How much does a Disney Lightning Pass cost?
- Example interest checking APYs at select institutions
- CD vs. high-yield savings account: At a glance
- Chase Freedom Unlimited®
- 7. Update your service address
- Alternatives
- Standard deduction 2024 (taxes filed 2025)
- The Bitcoin ETF price war
- 4. Review your beneficiaries
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- 4. Tax on mutual funds
- 2. Calculate the car loan amount you can afford
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- To review several cruise prices at once: CruiseDirect
- Does YouTube TV offer offline viewing?
- Do I have to pay California state tax?
- Will making a partial payment keep me from being reported late?
- Simplicity
- Tips for finding student discount hotels
- Don’t count on this student loan forgiveness yet
- 5. How important is driving the newest model to you?
- Arrive early to enjoy the lounge
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- Cheapest for 20-year-old drivers
- Best car insurance in California for customer complaints: Amica
- Does your DTI affect your credit score?
- Stay at a Hilton hotel
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- 4. Both cards earn rewards
- Know before you modify
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- Decide among low interest, 0% or rewards
- American Airlines
- Hilton
- Are there fees?
- Size of the AC system
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- Health insurance deduction
- USAA home insurance rates
- TransUnion
- 5. Home winter weatherproofing
- Other considerations before joining a credit union
- LendingTree Spring
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- Earn cash (or pennies) back with rewards apps, in time
- 5. Make it bigger
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- What else you need to know
- If your income reduces your Roth IRA contribution
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- 3. Bonds and bond index funds
- 5. Do you enjoy performance?
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- Need-based aid vs. merit-based aid
- Diversifying with index funds
- Average cost of term life insurance by age
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- Candidate pay expectations
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- Buying bundles: the Works and the Perks
- Is my money safe in a high-yield savings account?
- 6. The child has to have a certain residency or citizenship status
- Loyalty program
- Home equity loan or HELOC
- Myth 6: Life insurance through your employer is sufficient
- Cost of a manufactured home
- 3. Limit spending to the envelopes
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- Gift tax limit 2023
- Pros and cons of investing in stocks
- How to increase your net worth
- 2. Child identity theft
- Does Florida have property tax?
- 9. Cut the cord
- What’s next?
- 0% intro APR offer
- Chairman's Club (invite only)
- Using the Loan Estimate to compare mortgage offers
- Inflation example
- What states are increasing minimum wages in 2024?
- Nebraska Veterinary Medical Association Scholarships
- Savvy customers cut their costs
- Jumbo loans: As low as 5%-10% down payment (varies)
- Final thoughts on ANA economy
- Spectrum Business
- 8. Create an airport-centric app
- 4. Pay your bill before your issuer reports to the credit bureaus
- Competitors follow suit
- How much to tip housekeeping
- Other ways to overcome an appraisal gap
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- 3. Pre-qualify
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- Optional coverages
- What is a good credit score for your age?
- Price
- How does the Fed raise interest rates?
- Flight diversions
- 3. Work with your creditors
- Best homeowners insurance in Wyoming for consumer experience: Amica and Nationwide
- If repossession is inevitable
- Alternatives to regular savings accounts
- 6. Confirm the check details and complete the deposit
- Is United’s basic economy worth it?
- RVshare: the biggest (and usually best) peer-to-peer RV rental company of them all
- Attractions eligible for individual Lightning Lane passes
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- Dun & Bradstreet business credit scores
- Revisit your spending
- 3. Get free Wi-Fi (365 times)
- W-4 form 2024
- 3. Pick an investment account
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- Hack your IRA
- Bear market vs. recession: What’s the difference?
- How to report fraud or identity theft
- The bottom line
- 5. You could more likely experience unique, local events
- Closing cost limits
- How long do medical bill collections stay on your credit reports?
- When do you have to pay taxes on stocks?
- How can I avoid late payments?
- Stay flexible
- 4. Set up your LLC bank account
- 3. Expedia
- Delta personal cards
- How much car insurance you need
- Step 3: Choose your lender and loan
- Choosing a card
- These national parks are always free
- 6. You co-signed a loan or credit card application
- Navy Federal: Best for military members
- How a mortgage rate lock works
- Where to avoid exchanging currency
- 5. Key Largo Bay Marriott Beach Resort, Key Largo, Florida
- Clothes, vintage and crafts
- It’s go time: Apply for a card
- Interest rate risk vs. credit risk — what's the difference?
- 3. Use the DIME formula
- Additional functionality
- Other hardship loan options
- Why the due date is so important
- Credit-related deal breakers
- 5. Online savings accounts
- How to build your credit
- 3. Invest in low-cost index funds or ETFs
- 4. Your travel plans
- Decent AmEx transfer partners
- Get a credit-builder product or a secured loan
- Where Coinbase Wallet falls short
- Are there other high-yield options for savings?
- Installation and labor: $75 to $250 per hour
- Business mileage
- 2. Your credit could suffer if the relationship changes
- How much of your fee goes to Upwork?
- Experian
- More about Banner life insurance
- SALT deduction for personal property taxes
- 3. You'll get a free one-year membership to Welcome Rewards+
- Other considerations about sweep accounts
- Our pick for: Online purchases
- High-yield account APYs compared to brick-and-mortar banks
- 5. Hawaiian Airlines' partnership with JetBlue makes this card more flexible
- 5. Contact the seller or visit a dealership
- Don’t want to give up full control of the business
- What to do after removing an authorized user
- 4. Speed Queen
- How to qualify for the earned income credit
- Tips for unfreezing your credit
- Fees
- 3. Don’t miss out on tax deductions for volunteering
- 5. Investigate divorced spouse benefits
- Get a credit-builder product or a secured loan
- 4. You can qualify for one of the Ollo cards with fair credit
- The bottom line
- How to open a savings account or CD
- 2. Stock dividends
- What are the other 2024 tax deadlines to know?
- Do spot Bitcoin ETFs have custodianship risk?
- Consumer takeaways
- What do closing costs include?
- Step 5: Find suppliers and contractors
- Term life insurance rates for nonsmokers
- Interest rate
- 4. You cannot have claimed the home sale capital gains exclusion recently
- More on the card-per-offer limit
- Does YouTube TV fit in your budget?
- Deposit timing
- VA funding fee
- Consider 'fifth freedom' routes
- Your employer can contribute
- Treasury bills calculator
- Prime Day and Prime Early Access
- ESG investing vs. socially responsible investing vs. CSR
- Cheapest full coverage car insurance in California for 20-year-olds
- Choosing a card
- How to understand DTI ratio
- The pros
- How has the Marriott points value changed over time?
- Take surveys on Hilton's Guest Opinion Rewards
- Business credit cards
- What causes Treasury bill rates to fall?
- Foundation grants for nonprofits
- 5. Foreign transaction fee is low
- Use pre-qualification, if available
- More about the card
- What to expect from the credit card fraud investigation
- What’s the deadline for filing Massachusetts state income taxes?
- Online, mobile banking
- Roll the dice with an upgrade hack
- Check the volume
- British Airways Avios
- Combining loan forgiveness programs
- 9. Become a destination wedding planner
- Xoom
- 5. Obtain licenses and permits
- 6. Home cleaning business
- Are home equity loans a good idea?
- Medicare Part D
- How much do fidelity bonds cost?
- How to invest in AI stocks
- Other ways to skip baggage fees
- What is the difference between an inheritance tax and an estate tax?
- What happens if I lose my seed phrase?
- Drive for Uber or Lyft
- biBERK workers’ compensation insurance
- 6. Make it smarter
- 3. Capital
- Best car insurance for seniors: fewest complaints
- Price your towing services
- Volume, average volume and day’s range
- How to save money on an Uber
- Your points earnings
- Winner for lowest fees: Southwest
- Making a claim without an inventory
- 7. Keep the check until it's processed
- Air Canada preferred seat cost
- 6. Are you doing a hard credit check on me today?
- How do I access a HELOC?
- 5. Newborn and post-pregnancy services
- 3. Tap your home equity for a loan or line of credit
- 5. Note your state's estate tax laws
- Duplicate benefits for Premier status flyers
- Consider the costs of cashing out your 401(k)
- Find preapproved auto loans
- Laws about paying your employees
- Chase Sapphire Preferred® Card
- Which card should you get?
- Do the math on high-yield savings
- May
- Who is a qualifying relative?
- Other things to consider
- 5 types of employer-sponsored retirement plans
- How to handle these bills
- How the lifetime gift tax exclusion works
- How to get into the Plumeria Lounge at HNL
- Skip currency exchange: Use a credit or debit card
- 3. Synthetic identity theft
- Poshmark
- Best life insurance company for applicants with HIV: Guardian
- Should you invest in retail stocks in 2023?
- ONE VIP Visa Prepaid Card
- Price
- Friend and family loans
- Compare business credit cards
- Trading vs. investing
- If you don’t have credit but are looking to build it
- Where Azlo business checking stands out
- Home office deduction
- 4. Make biweekly payments
- Roth IRA vs. traditional IRA
- Compare the best savings and money market accounts
- Should I tip housekeeping if they don’t enter the room?
- Appraisal gap coverage limits your exposure
- Fly bags for free with elite status
- 4. Consider extra coverage
- Should you refinance your student loans?
- Expensify
- FICO score ranges
- Managing expectations
- Start the new year with effortless saving
- 4. Fiverr
- Know the implications of consolidation
- Frugal home expenses tips
- Change your repayment plan
- What about Tesla Insurance?
- Average certificate of deposit rate: 1.81% for one-year CDs
- Other factors
- 4. Write them down
- SAS Lounge
- 3. Dividend reinvestment programs (DRIPs)
- Standard deduction for those 65 or older
- How to apply online for Global Entry
- What are fleet cards?
- Term life insurance rates for smokers
- Holding crypto on PayPal
- 3. Land a brand deal and make sponsored content
- 5. You cannot have bought the house through a like-kind exchange
- Building credit with an 'alternative' credit card
- Employer identification number
- What is California's standard deduction?
- Contract periods
- Call the hotel or hostel directly
- Non-owner SR-22 insurance in California
- Delta business cards
- 6. How clean do you keep your car?
- The pros
- Splurge for a suite
- Why is home equity important?
- 7. You applied for a lot of credit
- 3. IMG
- Best California car insurance for ease of use: State Farm
- Donate Hilton points
- International travel as an unaccompanied minor
- Is all-day dining at SeaWorld worth it?
- Walmart Foundation
- You can cancel a paid My Best Buy Membership early
- Looking for value with less fuss? Go with the Chase Freedom Unlimited®
- 5. Optimize for tax implications
- RIVMA Veterinary School Scholarship
- What's next?
- More about buying life insurance with a health condition
- Disney Dining Plan
- What Coinbase Wallet is best for
- How does it affect the odds of a recession?
- 10. Make local guides
- Discounts
- How to start using FedNow
- Before delaying
- Put as much down on a car as you can
- 4. Apply for the loan and receive funds
- How much is the SALT deduction?
- Decrease your interest rate
- I’ve found my 401(k). Now what?
- Can I open a savings account online?
- 401(k) withdrawals
- What is the Federal Reserve Board?
- How does cryptocurrency work?
- Tips for maximizing delayed flight compensation
- Other performance metrics
- 4. Keep the deadline in mind
- 4. Alert authorities to fraud
- 4. Real estate investment trusts (REITs)
- Equifax business credit scores
- The most popular surveys for cash apps
- How much does a HELOC cost?
- How to find the 2024 W-4
- When are taxes due in October?
- 4. Refinance your loans
- 4. Take surveys for money
- How to freeze your credit
- Quick start guide: How to invest in index funds
- Step 6: Assemble a team
- 5. Tax on the sale of a house
- How to keep medical bills from hurting your credit
- The details
- Exempt vs. nonexempt employees
- Getting your Frontier baggage and other fees waived
- 1. The person can’t be anyone else’s qualifying child
- Refinancing with an FHA 203(k) loan
- Destinations
- Disadvantages of HSAs
- Free unlimited photo storage with Amazon Photos
- Pros and cons of a 401(k) rollover into an IRA
- Credit union personal loan rates
- How did we determine the value of Marriott Bonvoy points?
- 6. Residence Inn St. Petersburg Treasure Island, St. Petersburg, Florida
- When are Florida taxes due?
- What I wish I'd done differently
- Ruby Lane
- Mortgage rates
- 2. Certificates of deposit
- Minimum wage increases
- 4. Replace your income, plus add a cushion
- 5. Opt for economy cars
- Individual stocks vs. funds
- In-Flight
- Other tips for managing your bill
- How to rent an apartment if you have credit challenges
- How to change or cancel an EIN
- Benefits of a larger down payment
- If you have credit but want to strengthen your score
- Be prepared to research
- Aer Lingus
- Delta Air Lines
- Micro- and mega-cap companies
- Marriott
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Self-employment tax
- 3. You'll have fewer options
- 5. Monitor your total credit utilization
- Cons
- Why Halloween hits Disney's sweet spot
- Should you get a credit lock?
- SALT tax deduction 2023
- What’s the right number of IRAs?
- When to expect your child tax credit refund
- Keep your options open
- biBERK professional liability insurance
- VantageScore ranges
- Want to test the business idea before fully committing
- Step 2: Register your business
- Premium checking accounts
- How to freeze your child’s credit
- Beta
- Extra fees
- 6. Add your minor child
- Other Roth IRA rules
- Cheap auto insurance after an accident
- Ways to get the best USDA mortgage rates
- What is Tesla Insurance?
- 5. Treat yourself
- Best insurance company for affordability: NJM
- 4. Special dividends
- Chase Payment Solutions
- Next steps:
- 6. Weigh the value of professional help
- Why the United℠ Explorer Card may be the better choice
- No-closing-cost mortgages
- Average cost of whole life insurance by age
- 3. Set a target purchase price
- 6. You cannot be subject to expatriate tax
- Similar to savings accounts
- Customer support
- What is net investment income tax?
- Amenities
- Personal loan
- How to avoid mortgage insurance
- IRAs
- Manufactured home loans
- If you fly first class on Singapore Airlines
- Other ways to save money on a national park pass
- Ways to lower your DTI ratio
- 4. Taxpayer identity theft
- Unfreeze credit at all three bureaus
- Earn by spending on credit cards
- Credit unions and banks that don’t require Social Security numbers to open an account
- 2. Promote your business
- Step 4: Choose the right truck
- 4. Klarna
- What if I missed the Massachusetts state tax deadline?
- Your money management style
- Discounts
- Some NerdWallet favorites: 0%
- DIY vs. pro
- Comcast Business
- Next steps
- Brokerage accounts are taxable accounts
- Compare the best CD accounts
- 7. Fitness instructor/personal trainer
- FedNow vs. Zelle and other P2P money transfer options
- Special situations: Previous employers, military and vets
- 5. Get a quote
- Cheapest life insurance companies for smokers in fair health
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- What to do if you can’t open a savings account
- How to pay for improvements that increase value
- 6. Inspect and test-drive the car, if applicable
- How to choose between Travelpro vs. Samsonite luggage
- 4. Seek help through debt relief
- 5. WaveMAX Laundry
- Winner for lowest fees: Southwest Airlines
- 3. Source your suppliers
- Earned income restriction
- What else you need to know
- Perkins loans
- 5. Gather your paperwork
- How renting from RVshare works
- Best insurance company for affordability: NJM
- 4. Fly on holidays for free drinks
- 2. Find the right location for your vending machine
- 7. Do you charge for an interest rate lock?
- 6. Enrichment activities for children
- USO Center
- What do the approvals mean for Bitcoin?
- What is the Global Entry interview like?
- How do fleet cards work?
- Your spouse’s federal student debt
- 1. Have a goal for your index funds
- How to limit out-of-pocket VA loan closing costs
- What part of my income gets taxed by California?
- 2. The person has to be related to you or live with you
- Partner airlines
- 4. Capital One Travel
- Why some cars cost more to insure
- 7. Do you use your car for business?
- Home equity takes time to build
- You must have a high-deductible health plan
- Step 4: Gather loan documents
- Amazon Elements
- Why you might roll a 401(k) into an IRA
- Cheapest minimum coverage car insurance in California for 20-year-olds
- Receiving referrals: Compare referral welcome offers
- Spend on a Hilton credit card
- Next Steps:
- Travel ID requirements for kids recapped
- What is the median household income in the U.S.?
- 6. High-yield checking accounts
- THE PAYOFF
- 5. Your existing credit cards
- Air France-KLM Flying Blue
- Coinbase Wallet at a glance
- 11. Create a local grocery delivery service
- 5. Pay off capitalized interest
- 6. Find suppliers
- Do you tip concierge?
- How do I grow my home's equity?
- How to find AI ETFs
- Spend on airline credit cards with built-in baggage perks
- How to reduce or avoid the federal estate tax
- 5. Pay off lenders and begin repayment on your personal loan
- 4. You can choose special financing instead of rewards, but beware
- How much is renters insurance in California?
- Rocket Money
- Know what compensation you’re entitled to in the U.S.
- Best car insurance for seniors: ease of use
- Choose a business entity
- EPS (TTM) and earnings date
- Elite status benefits and goals (or lack thereof)
- 5. Watch out for the APR
- Bank of America® Customized Cash Rewards credit card
- Make Money
- HELOC requirements
- 5. Preferred dividends
- EveryDollar, for simple zero-based budgeting
- Additional standard deduction 2023 (taxes due 2024)
- Minimum vs. full coverage after a speeding ticket
- How do you buy Vanguard Index fund shares?
- Other stock market changes: Dips, corrections and crashes
- Free checked bags
- Whole life insurance rates for nonsmokers
- Selling crypto on PayPal
- Alternatives to getting a credit card
- “Doing business as” registration
- For budget-friendly options: Priceline
- Cash management accounts
- Stay during promotions
- Look up promos before checkout
- How much insurance you need in California
- 8. You closed an old credit card
- What if you can’t pay your bills?
- ESG investing examples
- How much does a rate lock cost?
- The cons
- Is Florida a low-tax state?
- Bank of America Charitable Foundation
- Mistake No. 3: I used retirement money to pay it off
- Etsy
- What is hyperinflation?
- 6. Invest for more than retirement
- 4 things to know about Massachusetts state tax
- Wells Fargo vs. Chase small-business checking: The bottom line
- Bonus features
- The American Veterinary Medical Foundation (AVMF) Scholarships
- How much should you put down on a house?
- Don’t pay for advance seat selection
- Use a co-signer
- How to incorporate market cap in your portfolio
- 3 tips to control central air conditioning installation costs
- Other repayment options
- How to file your sole proprietorship tax returns
- Why is there a SALT cap?
- Next steps
- Should you use a sweep account for savings?
- Other insurance available from biBERK
- Next steps:
- How to check your credit score
- 4. Conditions
- How are cryptocurrencies created?
- The rankings of reliable airlines
- Debt management plan
- Full list of the best homeowners insurance in Wyoming
- Compare car insurance rates for 35-year-olds
- Claiming tax-deductible donations on your tax return
- Use a co-signer
- You can use credit card benefits to travel in basic economy
- HEAL loans
- Experian business credit scores
- Do I have to update my W-4 every year?
- 7. Plan to reassess
- How to request a copy of your credit report
- 4. Sell some merch
- Days in the cycle
- Fees across U.S. airlines
- June
- Who qualifies for an FHA 203(k)?
- Airfare cost
- How to look up passport numbers recapped
- Chattel loans
- The cons
- What do I need for my loan application?
- 3. Learn the difference between investing in stocks and funds
- Visiting the National Parks for free in 2024 recapped
- Amazon Family
- 2024 lifetime gift tax exemption
- Full list of the top auto insurance companies in California
- 7. JW Marriott Marco Island Beach Resort, Marco Island, Florida
- If your employer doesn’t offer a 401(k) match
- Frontier Airlines
- Where Azlo business checking falls short
- IHG
- 1. Examine your cooling needs
- What’s in store for the next Fed meeting?
- 12. Start a virtual event planning company
- The next step
- Consumer complaints
- Compare the best checking accounts
- How to do well on Upwork
- Tips to run an effective seasonal business
- 2024 child tax credit news update
- Bootstrapping tips
- Who counts as a qualifying child for the earned income credit?
- Ex-dividend date
- 7. Suspend your benefit
- 8. Will I have to pay mortgage insurance?
- 6. Dividend funds
- Additional standard deduction 2024 (taxes due 2025)
- After you're approved for Global Entry
- 2. Research index funds
- Whole life insurance rates for smokers
- Be courteous when enrolling in AmEx Offers you don’t want
- Labor laws
- How to pay lower taxes when selling stocks
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Cash-out refinance
- Next steps
- Purchasing a Plumeria Lounge day pass
- 5. Medical identity theft
- Submit an application
- Best life insurance company for consumer experience: Northwestern Mutual
- Loan limits
- 3. Bonds
- How to protect against inflation
- Account linking
- 6. Stick to one driver
- Consumer complaints
- Problems with tenant background checks
- Can you get rich off penny stocks?
- 4. Get help managing your money
- Emirates Skywards
- Full details about Coinbase Wallet's ratings
- Sole proprietorship taxation: Income and self-employed taxes
- Frequently asked questions about FedNow
- The bottom line
- If you inherit or bequeath something, watch out for capital gains tax
- Average cost of renters insurance in California by city
- Ways to build credit
- Secure a unique business name
- Bankruptcy
- When should you freeze your credit?
- 5. Pay for an international plan add-on
- Excess Roth IRA contributions
- 5. Upwork
- 5. Money market funds
- Example CD APYs at select institutions
- 5. Watch for sales (They happen frequently)
- Eureka
- How to get a home equity line of credit
- 7. Mobile apps and entertainment for children
- 4. Borrow from your 401(k)
- When will I get my refund?
- 5. Make money from your blog with affiliate links
- Perks that have real value
- Transferring crypto into your PayPal address
- Calculating capital gains tax on a home sale
- 3. SEP IRA
- Home occupation permit
- Am I a resident for California state tax purposes?
- 1. Think long term versus short term
- Book with a credit card
- The bottom line
- Best uses for a high-yield savings account
- Manufactured home mortgages
- Types of ESG investments
- 4. Trawick International
- How to get a loan from a credit union
- Is a mortgage rate lock worth it?
- Electronics
- How to earn Avis Preferred Points
- Tips for calculating how much life insurance you need
- More ways to pay for veterinary school
- Frontier
- 2. Time it right
- MoneyGram
- 6. Stick to the standard repayment plan
- Final thoughts on hotel tipping
- 1. Think outside of the box.
- When did FedNow launch?
- Other ways to pay off your payday loans
- Find the best homeowners insurance in your state
- Cheapest final expense companies for 2024
- Best Android personal expense tracker apps
- Should you choose biBERK for business insurance?
- 7. Determine which warranties are right for you
- 1. Create a business plan.
- 1-year target estimate
- Basic economy
- 4. Price your product
- How to maximize your rewards
- 6. Pick your investments
- How Tesla Insurance works
- How to get Air Canada preferred seats for free
- Terminal C: United Club and United Polaris
- Standard deduction for dependents
- How much student loan refinancing could save you
- Seller-paid closing costs
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- Plan group events or meetings
- 3. The person’s gross income is below the limit
- TrueBlue value
- 9. You paid off a loan
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- Cheapest auto insurance in California for 20-year-olds with poor credit
- Transfer Hilton points from AmEx
- Exchange frequently? Consider a multicurrency account
- 8. JW Marriott Santa Monica Le Merigot, Santa Monica, California
- W.K. Kellogg Foundation
- Swappa, Gazelle
- Willing to spend time to maximize rewards? Go with the Chase Freedom Flex℠
- Government bonds
- 7. Chat with an advisor
- FamZoo Prepaid Card
- Payday alternative loans
- Choose between cash-back and travel rewards
- Etihad Guest
- Become an authorized user
- JetBlue Airways
- Compare Azlo alternatives
- 13. Sell zero-waste products
- Schedule C
- Consumer experience
- Compare the best banks, credit unions and cash management accounts
- Is Upwork the right freelance marketplace for you?
- 5. You won’t want to carry a balance
- Money Manager
- Why are there so many kinds of cryptocurrency?
- Look to travel insurance
- The cheapest car insurance for seniors
- Debt settlement
- How much does homeowners insurance cost in Wyoming?
- Are interest rates fixed on savings and checking accounts?
- Whether it might be better to earn points instead
- Winner for lowest fees: Southwest
- Become an authorized user
- Cheapest car insurance after a DUI
- Parent PLUS loans
- Why do I need a business credit score?
- How to adjust your Form W-4
- 4. Open your account
- How to evaluate dividends
- Fleet expense management tools
- Additional resources:
- Finding a car you can afford
- 5. Offer memberships
- The bottom line
- 2. Look into tax-loss harvesting
- How do I get an FHA 203(k) loan?
- Credit card
- Frequently asked questions
- How to save on car insurance
- Who benefits from the cash stuffing envelope system
- Sharing a Prime membership Using Amazon Household
- 6. Account takeover
- Convert other programs’ points to Mileage Bank miles
- 5. PayPal
- Security
- Consumer experience
- Other considerations to determine your down payment
- If you’re considering the American Express® Gold Card
- 3. Look for equipment rebates and tax credits
- Brokerage accounts vs. IRA
- 7. Secure funding
- Is there a FedNow app?
- Methodology
- Register for an employer identification number
- 6. Zoom Express Laundry
- Can I claim the EITC without a child?
- Moving averages
- In-flight experience
- 8. Use a do-over
- Perks await when you fly economy with elite status
- Interest-based passive income ideas
- Average money market account rate: 0.66%
- InboxDollars Surveys
- 8. Shared accessories and attire
- United Club
- What are the best Vanguard index funds?
- What do the approvals mean for other crypto investments?
- 1. Automate transfers
- What happens if you are declined?
- Cost of life insurance without a medical exam
- What's next?
- Long-term accounts
- Reimbursement
- A note: Birthday elite night credits are on pause
- How often do savings rates change?
- July
- 4. You have to provide more than half the person’s total financial support for the year
- How long do I need an SR-22 in California?
- Who pays the gift tax?
- Getting to the Plumeria Lounge inside HNL
- Carnegie Corporation
- What I wish I'd done differently
- Property standards
- Step 5: Secure startup funding
- Term vs. whole life insurance tool
- 7. Use your own insurance
- Tips to avoid rental credit check problems
- Maximizing Disney Dining Plans
- Iberia Plus Avios
- Market capitalization vs. float-adjusted market cap
- Who qualifies for timeshare presentation offers?
- 14. Make products for pets
- A word about IRA eligibility
- 2. Look deeper into your niche.
- Could we be in an AI bubble?
- What taxes aren’t covered by the SALT deduction?
- NerdWallet home insurance calculator methodology
- What to know about California renters insurance
- Act quickly
- Cons of a credit freeze
- Winner of the sky: American Airlines
- Is Lightning Lane worth it?
- How much can you borrow with a HELOC?
- Dividend per share (DPS)
- Methodology
- 3. Pick your index funds
- Step 7: Obtain financing
- Transferring crypto from your PayPal wallet
- Determining which business licenses you need to sell online
- Don’t forget about safety
- Retirement accounts for small-business owners and self-employed individuals
- Step 5: Submit your application and get funded
- What does having a lower score mean?
- How to redeem Avis Preferred Points
- 3. Sell your castoffs
- Eat later
- Paying for it all
- THE PAYOFF
- How to finance central air installation
- 7. Use 'found' money
- Compare the best bank accounts for students and kids
- U.S. Bank Cash+® Visa Signature® Card
- Alternatives to biBERK business insurance
- 2. Officially launch your business
- 5. Collateral
- Seniors that are good drivers
- Step 3: Secure startup funding
- 5. Lower your living expenses
- Could I lose my money in a checking or savings account if the bank fails?
- Charitable contributions 2023
- If you're looking for the best way to use your cell phone abroad
- How do I get my business credit score?
- Final thoughts on finding cheap Southwest flights
- 9. What will my monthly payment be?
- How to have more taxes taken out of your paycheck
- United Club
- When can't you take the standard deduction?
- Tax Day resources
- Fleet fuel cards: benefits and drawbacks
- 6. Sell your wares on Etsy
- No-exam life insurance rates for nonsmokers
- For booking travel experiences beyond the cruise: TripAdvisor
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Who doesn't count as a tax dependent?
- Are FHA 203(k) loans a good idea?
- Safety ratings
- Contractor financing
- How do I get a restricted driver’s license in California?
- Manufactured homes: Pros and cons
- Do you pay taxes when you receive a gift?
- Credit union vs. online lender
- Purchase Hilton points
- The best place to exchange currency at the end of your trip
- 9. Pier South Resort, Autograph Collection, San Diego
- 7. Criminal identity theft
- Customer support
- Qantas Airways
- Southwest Airlines
- 15. Create custom clothing
- Payday loan alternatives when you need cash fast
- Why is it called the SALT tax?
- What to do if you’re in over your head
- Wildfires
- AndroMoney
- How quickly could the IRS implement the child tax credit expansion?
- 8. Negotiate the best price
- The bottom line
- How to claim the earned income tax credit
- Loyalty program
- 5. Find your customers
- Air Canada seat selection recapped
- Example money market account APYs at select institutions
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Google Opinion Rewards
- Best insurance company for accident forgiveness: Geico
- Dividend yield
- Sending crypto to another PayPal user
- Appendix: How the math works in our examples
- The details
- Part-year resident status rules
- Citi Prestige® Card
- If you’re collecting Marriott elite night credits
- How to open a high-yield savings account
- 5. Kiwi
- Cheapest auto insurance in California for 20-year-old drivers with one speeding ticket
- What does travel insurance cover?
- Other HNL lounges to consider
- Mistake No. 4: I cut up the credit card and stopped using it
- Convert other points to miles through a 2-step transfer
- Best life insurance company for coverage amounts: New York Life
- Arrival
- Skip some restaurants
- AT&T Business
- Market capitalization vs. enterprise value
- Home equity loan
- Figuring out how much you need to save
- USAA vs. competitors
- Summary of the best banks and credit unions of 2024
- 3. Be flexible.
- Our pick for: Cell phone and internet bill payments
- Be polite
- Apply for a business loan
- Average cost of homeowners insurance in Wyoming by city
- Support and resistance
- Winner for loyalty program: Delta SkyMiles
- 6. OfferUp
- 6. High-yield savings accounts
- Best insurance company for accident forgiveness: Geico
- Empower Personal Dashboard, for tracking wealth and spending
- 2. Count your coins and bills
- Is Global Entry worth it?
- No-exam life insurance rates for smokers
- How much money can you make on YouTube?
- Will you owe capital gains taxes on your home sale?
- Hotels with student discounts, recapped
- How do I get rid of an SR-22 in California?
- Manufactured home pros
- Is Amazon Prime worth it?
- Should I lock my mortgage rate today?
- Ford Foundation
- 401(k) hardship withdrawals
- 8. Forgo the extras
- Other renters insurance companies to consider
- Some NerdWallet favorites: Cash back
- Singapore Airlines
- Schedule SE
- USAA vs. State Farm home insurance
- A closer look at these companies
- Consequences of a child tax credit error
- Should I have my checking and savings accounts at the same bank?
- 7. Express Laundry Center
- Credit freeze or credit lock?
- 10. Do you have an origination fee?
- How to have less taxes taken out of your paycheck
- United Polaris
- 5. Enter a debt management plan
- Benefits
- A win for versatility
- How to apply for an online business license
- 4. Call in a pro
- August
- Tax breaks and credits for claiming a tax dependent
- Pros of a 203(k) loan
- Reliability
- ESG investing: How to get started
- Is the gift tax deductible?
- Currency exchange: Frequently asked questions
- 4. Earn badges through Live videos
- User experience
- 5. Incrementally raise your savings rate
- If you’re tempted by a timeshare presentation offer
- 16. Sell vintage clothing online
- The future of blockchain technology
- Are cryptocurrencies financial securities, like stocks?
- Seniors with an at-fault accident
- Cheapest auto insurance for poor credit
- Swagbucks
- 9. Shared home improvement equipment
- 5. Choose investments that match your tolerance for risk
- How much is my 2023 standard deduction?
- 4. Decide where to buy your index funds
- What is the difference between SR-22 and SR-1P?
- 4. Set a budget for your stock market investment
- How to choose the best annual travel insurance policy
- Is the Plumeria Lounge Honolulu worth it?
- Ride with Lyft
- How to redeem Mileage Bank miles
- Why not both?
- 6. Sezzle
- Greenlight Prepaid Mastercard
- Virgin Atlantic Flying Club
- Get credit for the bills you pay
- Western Union
- How to prepare your business for winter
- Methodology
- 1Money
- 3. Lay the groundwork for a future business loan
- Self-finance your business
- How to use Chase points for flights smartly
- Get credit for the bills you pay
- Final thoughts on the different United economy fare classes
- Important considerations when opening a Roth IRA
- How does RVshare insurance work?
- 3. Find your vending machine
- Vanguard 500 Index Fund (VFIAX)
- 3. Prep for grocery shopping
- Drawbacks
- 7. Self-publish an e-book
- Average cost of life insurance by term length
- PayPal cryptocurrency alerts
- How to avoid capital gains tax on home sales
- Nonresident status rules
- Head of household filing status
- Cons of a 203(k) loan
- Manufactured home cons
- 1. Choose to DIY or get some help
- How much is the gift tax rate?
- Where is the best place to exchange currency?
- 10. Sheraton Princess Kaiulani, Honolulu
- Coca‑Cola Foundation
- What I wish I'd done differently
- For JAL flights
- Corporate bonds
- Reviews
- Get closer to elite status
- Pick up pizzas
- Home equity line of credit
- 17. Begin niche blogging
- Additional taxes
- Aim to save at least 10% to 15% of your pretax income
- 9. Maximize trade-in value, if applicable
- The cheapest home insurance in Wyoming
- Consequences of an EIC-related error
- Who can access your frozen credit reports?
- 6. Get the logistics down
- Genie+
- Is Tesla Insurance worth it?
- The difference between interest rate and APY
- 11. What other costs will I pay at closing?
- How to use a W-4 to owe nothing on a tax return
- Dividend payout ratio
- 1. Live in the house for at least two years
- Making the most of your first credit card
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- What happens if my rate lock expires before closing?
- Eat with Hilton Dining Rewards
- How to earn other travel rewards through your Avis car rental
- Refinancing
- 9. Price out prepaid gas
- THE PAYOFF
- Spirit Airlines
- 8. Design your bar
- Be prepared
- Earthquakes
- State child tax credits
- Friends and family
- 7. CDs
- Is getting a HELOC a good idea?
- Lounge access for United cardholders
- Vanguard Total Stock Market Index Fund (VTSAX)
- Fuel card vs. business gas credit card
- Does PayPal offer tax forms?
- To match with a vacation planner: Avoya Travel
- What happens if I can’t open a savings account?
- Child tax credit
- Customer satisfaction
- Next steps
- How do I find a currency exchange near me?
- 11 ways to prevent identity theft
- For flights on partner airlines
- After deciding
- The worst AmEx transfer partners
- Which small business internet service is right for you?
- USAA vs. Allstate home insurance
- Should you invest in AI stocks?
- Learn about the best life insurance companies
- 4. Take advantage of free resources
- Compare insurance rates by driver history
- Types of stock charts and how to read them
- 7. Poshmark
- How much does Disney Genie+ cost?
- 12. How — and how often — will I be updated on the loan’s progress?
- Earn an audience, and earn more in the long run
- 2. See whether you qualify for an exception
- 4. SIMPLE IRA
- Service
- September
- Best life insurance company for permanent life insurance: Pacific Life
- 5. Build a community
- How to book an American Airlines Flagship business class ticket
- What to expect: Upcoming projects
- AeroMexico
- 18. Become an e-book writer
- When to file sole proprietorship taxes
- Step 4: Obtain licenses, permits, and business insurance
- How to purchase a laundromat franchise
- Credit card offerings
- Pros
- 10. Vacation rentals
- Are dividends taxed?
- Vanguard Total Bond Market Index Fund (VBTLX)
- 5. Buy index funds
- Capital One Venture X Rewards Credit Card
- Child and dependent care tax credit
- Book a rental car
- Where can you exchange currency for free?
- 1. Freeze your credit
- Home Depot Foundation Veteran Housing Grants Program
- Home equity loans and lines of credit
- 10. Walk or ride
- If you’re interested in a Walt Disney World Dining Plan
- Cash-out refinance
- How much will you really need to retire?
- Find and fix your business's vulnerabilities
- Floods
- If you're ready to start a budget
- What is the $500 credit for other dependents (ODC)?
- 10. Make the purchase
- Seniors with a speeding ticket
- What to know about Wyoming homeowners insurance
- Golden crosses and death crosses
- Winner for most credit card options: American Airlines
- Frequently asked questions
- Why we love RVshare
- Property-based passive income ideas
- Why insuring a Tesla is so expensive
- Payment methods accepted at Costco
- 13. Do I have to sign all the paperwork in person?
- Final thoughts on the lounges in the Newark airport
- 2023 vs. 2024 standard deduction
- 8. Get advertising revenue from your blog or YouTube channel
- What protections does PayPal offer?
- 3. Keep the receipts for your home improvements
- The bottom line
- Who should avoid JetBlue Airlines?
- 6. BookWithMatrix
- Common gift tax return triggers
- If you want to buy annual travel insurance
- Stay at a Marriott beach resort with points
- Cathay Pacific
- Practice good credit habits
- United Airlines
- 9. Develop your marketing strategies
- Final thoughts on the Marriott elite benefit guarantees
- Alternatives to bootstrapping
- Pros and cons of cryptocurrency
- Can I still get a past year's earned income tax credit?
- Is an import/export business profitable?
- Practice good credit habits
- Attractions eligible for Genie+
- Cons
- Best insurance company for having few customer complaints: American Family
- What is credit card consolidation?
- Next steps
- Vanguard Balanced Index Fund (VBIAX)
- 4. Minimize restaurant spending
- California state tax credits
- Earned income credit
- 5. Focus on investing for the long-term
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- Final thoughts on Hilton points expiration
- 2. Safeguard your Social Security number
- 7. Zip
- 19. Start ghostwriting
- USAA vs. Geico home insurance
- What determines California renters insurance rates?
- Child tax credit vs. child and dependent care credit
- Purchase tow truck insurance
- Wildfire
- How much is a Tesla?
- Best insurance company for having few customer complaints: American Family
- 11. Electronics repair
- W-4 calculator
- More resources on investing
- Step 8: Source your deal
- Other ways to make money
- How to access American Airlines Admirals Clubs
- Gifting large sums of money to family
- Other ways to redeem Mileage Bank miles
- 4. Money market funds
- Walmart MoneyCard
- Final thoughts on American Airlines flagship business class
- Choose between a general or co-branded travel card
- Other details you should know about Coinbase Wallet
- Cryptocurrency pros
- Compare car insurance rates for drivers with a DUI
- 5 reasons to enter the laundromat industry
- Credit card availability
- How do import/export companies make money?
- 8. Buy a rental property
- How the FDIC calculates national rates
- 4. Explore your financing options
- PocketGuard, for a simplified budgeting snapshot
- When to claim the standard deduction
- Vanguard Growth Index Fund (VIGAX)
- 6. Keep an eye on your index funds
- How taxes on real estate, rental, and investment sales work
- October
- Adoption credit
- If you’re considering flying JetBlue
- 3. Be alert to phishing and spoofing
- Her Village Grants
- FHA vs. conventional loans: Summary
- Choice Hotels
- Personal loan
- 20. Become a resume writer
- Seniors with a DUI
- Winter weather
- 2020-2022 earned income credit amounts
- Winner for credit card availability: Delta Air Lines
- 14. How long until my loan closes?
- How does credit card consolidation work?
- Does your business need a fleet fuel card?
- The details
- California earned income tax credit (CalEITC)
- Investing
- Refer a friend
- Costs and economic considerations
- Comparison of unaccompanied minor fees by airline
- 10. Pick a reliable POS system
- Where you live
- Step 5: Promote your business
- Low staffing needs
- What is an export license?
- Cheapest car insurance for young drivers
- Is it better to get a home equity loan or line of credit?
- Vanguard Small Cap Index Fund (VSMAX)
- 5. Get discounts on entertainment
- To book a vacation package with an airline or hotel
- Paying for vacations, cars or other stuff
- Cheapest for 30-year-old drivers
- 4. Use strong passwords and add an authentication step
- Silicon Valley Community Foundation
- Should you choose hotel and airline rewards over Avis Preferred Points?
- JAL has two elite status programs: Fly On and Global Club
- Best life insurance company for customer satisfaction: State Farm
- Conventional loans
- Hawaiian Airlines Hawaiian Miles
- 21. Open a coworking space
- How to choose among the best ways to send money internationally
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Cryptocurrency cons
- Hailstorms
- 9. Rent out your own house
- What else to know about Form W-4
- 9. Become an Instagram influencer
- California young child tax credit (YCTC)
- 6. Manage your stock portfolio
- 2. Know your own ESG criteria
- 4 reasons to start a trucking company
- Is Coinbase Wallet right for you?
- The bottom line
- Make a plan and stick to it
- Your coverage limits
- Our pick for: Maximized value
- Rank for local SEO
- Year-round demand
- Testing a resistance level
- What documents do I need to import goods?
- Tesla repair costs
- 1. Has the W-4 form changed?
- Vanguard Total International Stock Index Fund (VTIAX)
- Follow these best practices for a successful house-flipping business
- Is there an over-55 home sale exemption?
- Capital One Venture Rewards Credit Card
- The newly "reimagined" American Airlines Admirals Club, recapped
- Transfer American Express Membership Rewards
- Giving a laid-back loan
- 5. Use alerts
- Bill & Melinda Gates Foundation
- Fly On elite status
- Cash advance apps
- Some NerdWallet favorites: General travel
- Check your credit scores and reports
- The bottom line
- Practical matters
- Cheapest car insurance for seniors by state
- Flooding
- Check your credit scores and reports
- Is Genie+ worth it?
- 12. Academics courses
- 6. Map out major purchases
- California child and dependent care tax credit
- November
- Cheapest full coverage car insurance in California for 30-year-olds
- FHA loans
- 5. Mutual funds
- 1. There’s a major shortage of drivers
- Hilton Honors
- 22. Become an online coach
- Your deductible
- Low failure rate
- Alternatives to the best burial insurance
- Reasons to take pause before renting from RVshare
- 10. Get a roommate
- What to do if you can’t keep up with your HELOC payments
- Is consolidating credit card debt a good idea?
- OK, what's next?
- 3. Choose ESG investments
- Setting up joint bank accounts
- 6. Watch your mailbox
- Robert Wood Johnson Foundation
- Compare buy now, pay later apps
- How we review crypto wallets
- Cryptocurrency legal and tax issues
- The bottom line
- 2. What does it mean to be exempt from taxes?
- California adoption cost tax credit
- Final thoughts on the best flight booking site
- Transfer Marriott Bonvoy points
- The bottom line
- 2. There’s a need for innovation in the industry
- 23. Flip failing websites
- Become a AAA contractor
- Work-life flexibility
- Alternative investment passive income ideas
- Best insurance company for financial strength: Auto-Owners
- 10. Monetize your Twitch channel
- 5. Defined benefit plan
- Best stocks for beginners
- 7. Shred, shred, shred
- Clif Family Foundation
- Should you use a buy now, pay later app?
- JetBlue TrueBlue
- Create a continuity plan
- How to get the best car insurance rates for seniors
- More about top-rated life insurance companies
- Cheapest auto insurance for senior drivers
- Disney’s new FastPass, recapped
- Best insurance company for financial strength: Auto-Owners
- 13. Language courses
- Can I still use my credit card after debt consolidation?
- 7. Restrict online shopping
- California nonrefundable renters tax credit
- 3. It's recession-proof
- 24. Become a web developer
- Your claims history
- Earthquakes
- Business class
- Mortgages
- Stay with Airbnb
- Cheapest minimum coverage car insurance in California for 30-year-olds
- 8. Use a digital wallet
- Best life insurance company for older applicants: AARP
- 6. Index funds
- Low-fee alternatives to prepaid cards
- Some NerdWallet favorites: Co-branded
- Marriott Bonvoy
- 1. Take a driving class
- Hire more employees
- The bottom line
- Winner for business class: Delta Air Lines
- Cruise America: consider it the big box store of RV rentals
- 5. Stock your vending machine with inventory
- Honeydue, for budgeting with a partner
- Credit cards for dining
- December
- 4. It’s easy to start small (and scale)
- Pros
- Buy now, pay later
- 25. Start a podcast
- The features of your home
- Your decision: Is cryptocurrency a good investment?
- The bottom line on how to read stock charts
- American Airlines vs. Southwest: The results
- 11. Peer-to-peer lending
- 3. When should I review my W-4?
- 9. Protect your mobile devices
- Corporate grants for nonprofits
- If you want to redeem your AmEx points for good value
- Be ready, be set, be safe
- Step 6: Know your responsibilities as an employer
- Southwest vs. Delta recapped
- 8. Delay purchases with the 30-day rule
- How to track your California state refund
- American Express® Gold Card
- The bottom line
- 26. Be a social media influencer
- Other policies
- 14. Business or marketing courses
- 11. Sell your photography
- The details
- Book travel extras
- The bottom line on investing in stocks
- 10. Check your credit reports regularly
- Amazon Web Services (AWS) Imagine Grant
- How to reach the different status levels
- 2. Choose a car that’s cheap to insure
- Wyoming insurance department
- Compare auto insurance rates for drivers with poor credit
- Cheapest car insurance by state
- How renting from Cruise America works
- 4. Can I adjust my W-4 multiple times throughout the year?
- Cheapest auto insurance in California for 30-year-olds with poor credit
- Cons
- The bottom line
- Your dog
- Prime Visa
- 12. Private equity
- 6. Make the right investments
- 9. Get creative with gifts
- 11. Monitor financial and medical statements
- Best term life insurance companies of April 2024
- 27. Create online courses
- Looking for more insurance in Wyoming?
- Other hardship assistance
- Our pick for: Prime gaming
- 3. Protect your car
- Final thoughts
- 15. Personal wellness
- Best insurance company for discounts: Amica
- California state sales tax
- 28. Become a marketing consultant
- California Department of Insurance
- Best insurance company for discounts: Amica
- Where to open a retirement plan if you’re self-employed
- Book Delta Vacations
- How to find the best term life insurance company
- Best whole life insurance companies of April 2024
- Prepaid-like options from fintechs: Apple Cash and Cash App
- Budgeting resources from NerdWallet
- 10. Lower your car costs
- How to make money from home
- Capital One Savor Cash Rewards Credit Card*
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- Alternatives to buy now, pay later
- Additional resources
- Looking for more insurance in California?
- 13. Crypto staking
- 10 ways identity theft happens
- 7. Exchange-traded funds
- Apple Cash: digital card
- 29. Develop an app
- 4. Get credit for driving less
- How does Cruise America insurance work?
- 12. Become a dog walker with Rover or Wag
- 5 things to know about California state tax
- Look up the insurer’s financial strength
- Best no medical exam life insurance companies of April 2024
- How to get cheap car insurance
- 16. Courses in hobbies or interests
- 11. Reduce your gas usage
- 1. Lost wallet
- Zendesk Tech for Good Impact Awards
- Hardship financing to avoid
- Book a cruise
- 30. Make a smart appliance
- 5. Raise your deductible
- Why we love Cruise America
- Airline credit cards
- Personal loans
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Global Club elite status
- How to choose the best life insurance company
- Cash App debit card
- Methodology to identify the best budget apps
- Use the Bags on Time guarantee
- 2. Mailbox theft
- Research the insurer’s reputation for customer service
- 31. Tap into virtual reality experiences
- Product creation passive income ideas
- 17. Bookkeeping and accounting
- 12. Bundle cable and internet
- 13. Sell unused gift cards
- Citi® / AAdvantage® Executive World Elite Mastercard®
- State Farm Good Neighbor Citizenship Company Grants
- Japan Airlines is a king of stopovers
- 1. Look at customer satisfaction scores
- 8. Stocks
- 6. Drop coverage you no longer need
- Risks of getting cheap auto insurance
- Individual stocks
- Best prepaid debit cards: Summary of fees and ATMs
- 32. Make a niche dating site
- Reasons to take pause before renting from Cruise America
- Pros and cons of starting a vending machine business
- 3. Using public Wi-Fi
- 2. Consider financial strength
- Target Circle™ Credit Card
- 14. Write content
- Best insurance company for customer satisfaction: State Farm
- 13. Switch your cell phone plan
- Enroll in SkyMiles Dining
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- More about term life insurance
- What are prepaid debit cards?
- 33. Develop a chatbot
- 7. Consider bundling your insurance policies
- Best insurance company for customer satisfaction: State Farm
- Pros
- 18. Consulting
- Google Ad Grants
- Up to 3 stopovers on a Japan Mileage Bank partner airline award ticket
- 3. Evaluate the policy options
- Our pick for: Target gaming purchases
- 14. List your spare bedroom on Airbnb
- 4. Data breaches
- 34. Offer matchmaking skills
- Compare insurance rates for drivers with an accident
- Outdoorsy: a hit and miss RV, peer-to-peer rental platform
- Cons
- For cruise package deals: Costco Travel
- Dividend stocks
- 8. Shop around for coverage
- 14. Reduce your electric bill
- Delta SkyMiles® Platinum Business American Express Card
- Student loans
- Cheapest for 40-year-old drivers
- Up to 7 stopovers on Oneworld award tickets
- 4. Get prices from a handful of companies
- 35. Be a virtual assistant
- Shop through Delta
- 5. SIM card swap
- The Unless Project
- More about top-rated life insurance companies
- Prepaid debit cards vs. regular debit cards
- How renting from Outdoorsy works
- 15. Publish a digital course
- 19. IT support
- 15. Lower your student loan payments
- Cheapest full coverage car insurance in California for 40-year-olds
- Final thoughts on JAL
- More about top-rated life insurance companies
- 36. Reinvent exercising
- How to make money offline
- 6. Phishing or spoofing
- Best insurance company for military members: USAA
- Ride with Lyft
- Frequently asked questions about prepaid cards
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Car-related passive income ideas
- Best insurance company for military members: USAA
- 16. Cancel unnecessary subscriptions
- 15. Sell your gently used clothes
- Directly with the Cruise Line
- 9. Alternative investments
- 20. Graphic design
- United Club℠ Infinite Card
- Rent with Turo
- 7. Skimming
- What is a prepaid debit card?
- 38. Open a food truck or restaurant pop-up
- Cheapest minimum coverage car insurance in California for 40-year-olds
- The Audacious Project
- 16. Wrap your car with ads
- 17. Refinance your mortgage
- Taxes
- 39. Start an organization business
- How does Outdoorsy insurance work?
- 8. Phone scams
- What is a prepaid credit card?
- Capital One® Walmart Rewards™ Mastercard®
- Order from Starbucks
- 40. Do interior design for young professionals
- Our pick for: Walmart gaming purchases
- 17. Rent out a parking space
- 21. Social media management
- 18. Set savings goals
- 16. Trade in old phones, electronics for cash
- Wells Fargo nonprofit grants
- 10. Cryptocurrency
- Where can you get a prepaid card?
- Comparing cruise prices across websites
- Hotel credit cards
- Travel rewards
- Cheapest auto insurance in California for 40-year-olds with poor credit
- 9. Looking over your shoulder
- Reasons to love Outdoorsy
- Other ways to save money
- Full list of the best car insurance companies
- Buy tickets through Ticketmaster
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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.