Search found 2906 matches

by neurosphere
Tue Sep 18, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Debt Repayment
Replies: 34
Views: 1391

Re: Student Loan Debt Repayment

Why refi and pay more interest than principal at this point? I’d also lose some federal protections if I ever needed them due to job loss. Maybe I'm misunderstanding. But if you refinanced to lower rates, and put the same money towards your loans that you were planning to anyway, a lower rate would...
by neurosphere
Tue Sep 18, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Debt Repayment
Replies: 34
Views: 1391

Re: Student Loan Debt Repayment

You could probably get lower rates by refinancing. However, you would then permanently lose some valuable protections of federal loans such as, should you lose your job and have zero income, to be able to set your required payments to zero and have the interest accumulation cut in half during this t...
by neurosphere
Sat Sep 15, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5375

Re: Employer won't Match 401k. Why?

How does it cost the company any money to subtract 18K from my salary and match 18K in my retirement fund? It would be all the same to the company, financially. But the point is it's EVERY employee, or none. Every employee (with some exceptions) has to be under the same set of rules when it comes t...
by neurosphere
Thu Sep 13, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Isn't cap weighting less diversified than equal weighting?
Replies: 72
Views: 2974

Re: Isn't cap weighting less diversified than equal weighting?

$1000 on Apple is not the same as $1000 on some tiny micro-cap. In the first case you are getting ~0.00000001% ownership, and in the second case you are getting 0.01% ownership. I think this is the most straightforward answer I've seen describing cap weighting. It's purchasing the same percentage o...
by neurosphere
Wed Sep 12, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 54
Views: 7687

Re: Downloadable Social Security Benefit Estimator (repost)

dknightd wrote:
Wed Sep 12, 2018 12:19 pm
neurosphere wrote:
Fri May 04, 2018 8:38 am
Newest version here: https://1drv.ms/x/s!Atj-cegEXidXrGZgWf1RyCoGPrn0
Is it gone? I cann't seem to connect to 1drv.ms

Thanks
That link is working for me, whether I'm signed into one-drive or not. What happens when you click the link?
by neurosphere
Wed Sep 12, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 54
Views: 7687

Re: Downloadable Social Security Benefit Estimator (repost)

So even with income between 10740 and 64764, an incremental dollar for the last 15 years of working will only get you 1.1 cents per month increase in payment. Probably the worst legal annuity you could find is better. :oops: It's outside the scope of discussion for this thread, but only part of the...
by neurosphere
Tue Sep 11, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 54
Views: 7687

Re: Downloadable Social Security Benefit Estimator (repost)

@neurosphere , Thanks for this wonderful spreadsheet. V4 still seems to have a bug, since I have managed to get 45 years to be bold. My understanding is that only the top 35 years should be bold Is that correct? I think you can recreate the bug if you put a value an drag it down. Or if you could sh...
by neurosphere
Tue Aug 21, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 239
Views: 30598

Re: Vanguard Municipal Money Market VMSXX 1.39%

It's been two weeks since the last image was posted, and there has been continued increase in muni MM yields relative to Prime. Below is my example, using an arbitrary 35% federal and a 10% state/city rate for NY. It's interesting that, on average over the past year, muni yields have been relatively...
by neurosphere
Mon Aug 20, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay off Overpayment of Student Debt
Replies: 18
Views: 1560

Re: Credit Card to Pay off Overpayment of Student Debt

Don't most people still get checks to use from your credit card company? I get regular printed statements in the mail and probably every other month it comes with a check to use. Accepting the check doesn't cost the receiver a percentage like accepting a credit card does. There is a fee when using ...
by neurosphere
Sun Aug 19, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 239
Views: 30598

Re: Vanguard Municipal Money Market VMSXX 1.39%

I found this interesting paper from Schwab, What are the major influences on Municipal Money Market Yields? , in which they try and explain some of the volatility of municipal MMF yields: Thanks for that! It essentially confirms what we've speculated. But personally, I'm surprised at the magnitude ...
by neurosphere
Fri Aug 17, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay off Overpayment of Student Debt
Replies: 18
Views: 1560

Re: Credit Card to Pay off Overpayment of Student Debt

I did this the last year I was paying off my student loans. I had emergency funds to cover the balance so the risk of job loss or not being able to keep up the payment was minimal. And my interest rate was 6.8% so I was willing to take a small risk for the savings. The challenge is that most of the...
by neurosphere
Fri Aug 17, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation 457b FICA and Medicare Taxes
Replies: 5
Views: 291

Re: Deferred Compensation 457b FICA and Medicare Taxes

https://www.irs.gov/government-entities/federal-state-local-governments/government-retirement-plans-toolkit Employee elective contributions are deferred from income tax. They are subject to FICA. However, see IRS Notice 2003-20, VI B, “Timing of social security and Medicare taxes.” Your elective con...
by neurosphere
Thu Aug 16, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 42
Views: 2793

Re: Negative Insurance Discount with United Health Care and Sentara

I'm wondering if the OP can post ALL the information from the EOB, that is, each line/column and column heading and the amounts. These EOBs can be quite confusing at times, and perhaps this is just a misunderstanding?
by neurosphere
Thu Aug 16, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 42
Views: 2793

Re: Negative Insurance Discount with United Health Care and Sentara

Never saw or heard about anything like this. The use of the term "negative discount" is creative. More accurately, seems like a surcharge of penalty. I don't understand why an insurance company would ALLOW a reimbursement/charge which is less than what the actual rate was. I'm wondering if the bill...
by neurosphere
Thu Aug 16, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 54
Views: 7687

Re: Downloadable Social Security Benefit Estimator (repost)

First, let me thank you for this spreadsheet. I have found it very useful in forecasting my future SS benefits even though I will be retiring early. The official SSA calculators are cumbersome and not as easy for playing what-if scenarios. Thanks! That's precisely one of the main reasons for the sp...
by neurosphere
Wed Aug 15, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 42
Views: 2793

Re: Negative Insurance Discount with United Health Care and Sentara

I'm not an expert, but when you signed up for insurance you agreed to pay the contracted rate. It's indeed strange that the amount you were billed is less than the rate, but the law requires you pay the rate you agreed to when you accepted to be covered by insurance. I think it's possible, but am no...
by neurosphere
Wed Aug 15, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 54
Views: 7687

Re: Downloadable Social Security Benefit Estimator (repost)

The graphs are OK, but it would be nice to have an annualized SS dollar amount and the % & $ increase relative to the prior year added to the table. Can you elaborate on what you mean by annualized SS dollar amount? The actual earnings, the SS maximum, and the indexed earnings are shown in the tabl...
by neurosphere
Sat Aug 11, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 26
Views: 2882

Re: SS 2019 COLA could be close to 3%

I, too, was eligible for SS in January the year I started collecting. I signed up for SS, received my notice of the benefit payable starting in January, and before I received my first payment, I was notified of an increase. Is this a great country or what?! Ed Hi Ed, I don't think you were technica...
by neurosphere
Wed Aug 08, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 66
Views: 15804

Re: Anyone else decided not to finish med school?

I'm a physician, and I also am in a situation where I counsel and advise MDs on the their finances and loans on a daily basis. I have met dozens of MDs who can't afford their job. E.g. undergraduate and medical school debt (with increasing balances during training) which is high enough that it can n...
by neurosphere
Mon Aug 06, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 239
Views: 30598

Re: Vanguard Municipal Money Market VMSXX 1.39%

I'm going to make a prediction that the next spike in VMSXX yields will be very large . I'm simply assuming that there is going to be re-pricing trigger of some sort soon and yields will have to rise to keep up with demand. I have no actual additional knowledge or understanding with which to back u...
by neurosphere
Mon Aug 06, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Pay off loans (even though I qualify for forgiveness) by selling taxable investments?
Replies: 7
Views: 621

Re: Pay off loans (even though I qualify for forgiveness) by selling taxable investments?

What's the amount of principal vs interest on the loans? Remember that you are not charged interest on the interest. That 6.4% is not applied to the whole balance. It's as if the interest goes on a zero percent credit card. So your effective interest goes down over time, making paying it off less be...
by neurosphere
Sun Aug 05, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Anyone familiar with The Flexible Retirement Planner?
Replies: 5
Views: 1069

Re: Anyone familiar with The Flexible Retirement Planner?

I very much like the flexible retirement planner and the way it assigns a probability to future "success". BUT, I use it in combination with historical "real world" past scenarios as shown by programs like the Otar Retirement Planner. Using both types of analyses is helpful. One is not "better" than...
by neurosphere
Sat Aug 04, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Compounded COLA's may or may not influence an individual's claiming decision, but that's a personal matter. I'm curious how you, personally, would be influenced in your decision making about when to start taking benefits, if you knew in advance that over the life your your benefits, compounded COLA...
by neurosphere
Fri Aug 03, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefit Calculator made in Google Sheets
Replies: 6
Views: 752

Re: Social Security Benefit Calculator made in Google Sheets

I used this calculator: https://www.ssa.gov/oact/anypia/anypia.html It states: "The current version of the Detailed Calculator is 2018.1, which we released on December 15, 2017. It updates the 2017.2 version with the new economic information from the automatic adjustments announced in the fall of 2...
by neurosphere
Fri Aug 03, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefit Calculator made in Google Sheets
Replies: 6
Views: 752

Re: Social Security Benefit Calculator made in Google Sheets

--Which SS calculator are you comparing to? Link?

--I don't think any of the calculators are using old numbers.

-- What is the FRA your calculator is currently assuming?
by neurosphere
Thu Aug 02, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4687

Re: SocialSecurity.tools updated to include spousal benefits

Have you thought about adding a line on the graph that shows survivor benefits, based on when the spouse chooses to start social security? Gregable and I discussed this, and how best to do the visualization for survivor benefits. There are a few options which we think might work. I think gregable i...
by neurosphere
Wed Aug 01, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

And I agree with you that it might not be relevant to some people making decisions about when to claim. AFAICT, the decision about when to claim is highly personal and based on a number of factors (e.g., health history, funds need, emotional impact on current market performance, etc.). This is what...
by neurosphere
Wed Aug 01, 2018 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Columns 3 and 4 show the impact of delayed SS for each year from 62-70 if COLA is 2.5%. The larger raises shown for each delayed year is due to the effect of compounding. I understand why 2.5% applied to a bigger number results in an increase which is larger than that applied to a small number. But...
by neurosphere
Tue Jul 31, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

The size of the absolute increase matters because of compounding on larger amounts due to delayed Social Security. I don't understand. If one is making a decision about when to file (assume age 62 vs age 70). Would actual/expected inflation affect that decision? If inflation is zero, which answer i...
by neurosphere
Tue Jul 31, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 239
Views: 30598

Re: Vanguard Municipal Money Market VMSXX 1.39%

Yah, VMSXX is awful right now. Just awful. Even this lazy guy moved some money out of it into Prime. Finally. Yes, but the gap has closed in the past few days, just a bit. Is this the start of a big upturn? This local minimum in muni yields occurred earlier (relative to the most recent peak) than i...
by neurosphere
Tue Jul 31, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Yes, my stomach always goes into knots when people start a comment with "I believe", "I didn't read all of the comments so far", or "I only skimmed". My point in posting the link was the helpful explanation regarding how increases to SS are calculated pre-age 60 and post-age 62. OTOH, I do agree wi...
by neurosphere
Tue Jul 31, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4687

Re: SocialSecurity.tools updated to include spousal benefits

- In "Get Started", I recommend adding a link to averagepaste.txt · GitHub and use that as an example text file. It's a good end-to-end working demo. You can also copy the text file into a spreadsheet and go from there. I also like the idea for an end-to-end demo, good suggestion. It's cumbersome t...
by neurosphere
Tue Jul 31, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4687

Re: SocialSecurity.tools updated to include spousal benefits

gregable, Very nice tool! Do you cover a scenario where Self and Spouse were born before 01/1954, Self starts benefits at 70 and then spouse at age 66 can start collecting 50% of Self's benefits and switch to his/her benefits at 70? That's the situation referred to in this post above , I believe. A...
by neurosphere
Tue Jul 31, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4687

Re: SocialSecurity.tools updated to include spousal benefits

Trying to understand how this works. Isn't the 1.7% COLA announced in 2012 applied to benefits starting in 2013?... But maybe not...? Here's just a small clarification suggested by sscritic (in order to ensure language is precise). The benefit which is RECEIVED in January is the DECEMBER benefit. S...
by neurosphere
Tue Jul 31, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4687

Re: SocialSecurity.tools updated to include spousal benefits

That would mean the following table should have all years increased by one: 2012: 1,533.50 increased by 1.7% = 1,559.50 2013: 1,559.50 increased by 1.5% = 1,582.80 2014: 1,582.80 increased by 1.7% = 1,609.70 2015: 1,609.70 increased by 0.0% = 1,609.70 2016: 1,609.70 increased by 0.3% = 1,614.50 201...
by neurosphere
Mon Jul 30, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

What may not be apparent is that this "freezing" of indexing is actually to your benefit if you continue working after age 62, because your PIA is then increased by the CPI. Isn't the PIA increased anyway by CPI, regardless if working after 62? Or am I misunderstanding you? Also, you have higher ea...
by neurosphere
Mon Jul 30, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefit Calculator made in Google Sheets
Replies: 6
Views: 752

Re: Social Security Benefit Calculator made in Google Sheets

first question, is what does the calculator assume for full retirement age? 67? Something else? Does it change the FRA based on the birthday that's entered?
by neurosphere
Mon Jul 30, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4687

Re: SocialSecurity.tools updated to include spousal benefits

Awesome. I have not tried the update yet but can attest this is an excellent tool. Thank you for making this available. I encourage you to check out the update, and if not married, to invent a spouse with earnings. :D Gregable has created a very nice way to visualize how personal and spousal benefi...
by neurosphere
Mon Jul 30, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Your payment would be about $2,978 a month at full retirement age At full retirement age, will I get $2,978 in today's dollars or is it the actual amount($2978) that I can bank on 14 years from now given continuous employment until then, etc? Today's dollars. AND tomorrow's dollars. SS benefit esti...
by neurosphere
Mon Jul 30, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Here is a nice excel spreadsheet created by Physician on Fire that will let you know where you stand today. https://www.physicianonfire.com/calculators/ssa/ Does anyone know a way to download SSA's earning history and plug it into this spreadsheet so that 35+ years of data don't need to be retyped?...
by neurosphere
Mon Jul 30, 2018 7:14 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 213
Views: 21011

Re: I’m still not a fan of international bond funds

My own portfolio is modeled after a target date fund. There's no guesswork, I just match it - regardless if it contains international bond funds (or not). I like the advice to mirror a Target Date fund. I think that most people should start out with a Target Date fund for all of their investments, ...
by neurosphere
Mon Jul 30, 2018 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

What may not be apparent is that this "freezing" of indexing is actually to your benefit if you continue working after age 62, because your PIA is then increased by the CPI. Isn't the PIA increased anyway by CPI, regardless if working after 62? Or am I misunderstanding you? Also, you have higher ea...
by neurosphere
Sun Jul 29, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7926

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

I turned 60 in 2017, I am waiting for the 2017 AWI to be published in a few months, then I can calculate my actual PIA (I made a spreadsheet following the SS regulations). After the AWI is announced, the only thing that can change my PIA is additional years of work that are higher (after wage infla...
by neurosphere
Sun Jul 29, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 213
Views: 21011

Re: I’m still not a fan of international bond funds

International bond funds are unnecessary, but I would not go as far as saying avoid them. My opinion is that International Bonds are entirely optional for an individual investor....But still, Vanguard feels strongly enough about International Bonds that they are 30% of Vanguard's allocation to bond...
by neurosphere
Sun Jul 29, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 213
Views: 21011

Re: I’m still not a fan of international bond funds

Disclosure: I have not read the majority of the posts in this thread. My question may have been answered multiple times over. Sorry. My question: I'll concede that international bond funds are not necessary. But are they to be actively AVOIDED? For example, should I shy away from a Vanguard Target D...
by neurosphere
Thu Jul 26, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 239
Views: 30598

Re: Vanguard Municipal Money Market VMSXX 1.39%

Yah, VMSXX is awful right now. Just awful. Even this lazy guy moved some money out of it into Prime. Finally. I'm going to make a prediction that the next spike in VMSXX yields will be very large. I'm simply assuming that there is going to be re-pricing trigger of some sort soon and yields will hav...
by neurosphere
Thu Jul 26, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Excel worksheet for calculating SS bend points
Replies: 42
Views: 4376

Re: Excel worksheet for calculating SS bend points

I believe the $1,800,960 is indexed up to match the $2,266,740 for 2018 dollars. Which was really my point. In today's wage adjusted dollars, one has to have thirty five year eligible earnings of about $2.3 million to reach the second bend point, regardless of how old one is. In other words, if the...
by neurosphere
Tue Jul 24, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Passing the second SSA Bend Point - Reversible?
Replies: 53
Views: 4892

Re: Passing the second SSA Bend Point - Reversible?

The bend points scale directly with only ONE measure: the Average Wage Index (https://www.ssa.gov/oact/cola/awiseries.html) The "gotcha" in comparing that table with the one that I linked to for the bend points is that a given year's bend points are determined using the AWI from two years previous....
by neurosphere
Tue Jul 24, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Passing the second SSA Bend Point - Reversible?
Replies: 53
Views: 4892

Re: Passing the second SSA Bend Point - Reversible?

My assumption is that the the 2nd bend point has moved higher over the years but consistent with wage base, inflation, and indexing measures. The bend points scale directly with only ONE measure: the Average Wage Index (https://www.ssa.gov/oact/cola/awiseries.html) Many, including me, sometimes ref...
by neurosphere
Mon Jul 23, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Passing the second SSA Bend Point - Reversible?
Replies: 53
Views: 4892

Re: Passing the second SSA Bend Point - Reversible?

I haven't worked through all these spreadsheets and don't care to do so. What I'm trying to get at is a gestalt for how much a person has to earn over 35 working years to reach the second bend point. In my case it is about $2.3 million in 2015, 2016, 2017, or 2018 dollars. But your point is over lo...