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When we're busy living our lives, earning a living, raising and educating children and possibly struggling - like so many people - with the challenge of bad credit , we do not spend a sufficient amount of time thinking [link widoczny dla zalogowanych] about and [link widoczny dla zalogowanych] planning for retirement. It seems so distant and remote, and many people engage in 'wishful thinking' when it comes to retirement planning, simply assuming they will somehow find a way to make it all work. Most people [link widoczny dla zalogowanych] vastly underestimate how much money they will need and do not save [link widoczny dla zalogowanych] enough money for retirement and if you suffer with poor credit it's even worse.
The Reason Why Social Security Was Created
That's where Social Security comes in. Despite the ongoing debate and controversy about the program, there is little doubt that it has accomplished the task set out for it when enacted in 1935: It provides a [link widoczny dla zalogowanych] minimum income for people in their old age to prevent them from slipping into abject poverty if they have no other sources of [link widoczny dla zalogowanych] income. The word 'minimum' must be kept [link widoczny dla zalogowanych] in mind; the average monthly [link widoczny dla zalogowanych] benefit is currently $1230.50, or slightly less than $15,000 a year. Under perfect circumstances, however, you could receive substantially more - and no matter where your benefit ends up, there is no doubt that any income is incredibly useful when you're no longer working.
Your Social Security Benefits Depends On How Long You Pay The Fund
Social Security is not free money - you are paying into the fund in the form of payroll taxes right now. The level of [link widoczny dla zalogowanych] benefit you eventually enjoy depends on how long you pay into the fund, [link widoczny dla zalogowanych] and when you claim your benefits. You can legally claim a benefit when you turn 62, but your benefit will be higher if you wait until the official retirement age of 66, and higher still if you wait until you're 70. If you're married and both partners pay into the system from the age of 21 and wait until they are 70 to collect, the maximum possible annual benefit as of 2012 is $78,384. That's not exactly a fortune, but it's certainly enough to keep you out of [link widoczny dla zalogowanych] the homeless shelter.
So when planning your own retirement, it's important to do two things in addition to managing portfolios and planning future expenses: First, repair your credit profile if you've gone astray. Second, learn how you can benefit from Social Security.

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