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Not sure if I did anything special or just hit a lucky part of cue? I started the application on the 9th and completed it on the 15th. I did check the box that said I disputed my numbers as my 2024 salary has not been tabulated as of yet (941 filed i...
RickS467730 08-28-2025 07:53 PM
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1
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I applied on August 15th. I got notified yesterday that I will start receiving benefits the second Wednesday of September. Today SSA pinged my account for a $0 deposit. 
RickS467730 08-28-2025 07:06 PM
1
Reply
1
Kudo
9200
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I get your point on the time value of money, and yes—using a positive discount rate changes the math. At 3%, my break-even point isn’t 14 years—it’s closer to 12. And when I factor in investing those early benefits—even conservatively—I’d never reali...
RickS467730 08-14-2025 05:40 PM
1
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0
Kudos
2043
Views
I get your point, and I agree — people should understand the trade-offs before filing early. In my case, I’ve looked closely at the earnings cap, clawback rules, and the lifetime benefit impact. For me, taking SS now instead of at FRA in 5 months mea...
RickS467730 08-11-2025 03:42 PM
1
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0
Kudos
2310
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@GailL1 wrote: Well that ain’t gonna happen -___________________________________True—but that’s exactly my point. A work-around without a real fix just kicks the can. We need an immediate infusion to stabilize the system now, paired with structural r...
RickS467730 08-09-2025 01:45 PM
1
Reply
0
Kudos
5782
Views
Not sure if I did anything special or just hit a lucky part of cue? I started the application on the 9th and completed it on the 15th. I did check the box that said I disputed my numbers as my 2024 salary has not been tabulated as of yet (941 filed i...
RickS467730 08-28-2025 07:53 PM
1
Reply
1
Kudo
8940
Views
I applied on August 15th. I got notified yesterday that I will start receiving benefits the second Wednesday of September. Today SSA pinged my account for a $0 deposit. 
RickS467730 08-28-2025 07:06 PM
1
Reply
1
Kudo
9200
Views
I get your point on the time value of money, and yes—using a positive discount rate changes the math. At 3%, my break-even point isn’t 14 years—it’s closer to 12. And when I factor in investing those early benefits—even conservatively—I’d never reali...
RickS467730 08-14-2025 05:40 PM
1
Reply
0
Kudos
2043
Views
I get your point, and I agree — people should understand the trade-offs before filing early. In my case, I’ve looked closely at the earnings cap, clawback rules, and the lifetime benefit impact. For me, taking SS now instead of at FRA in 5 months mea...
RickS467730 08-11-2025 03:42 PM
1
Reply
0
Kudos
2310
Views
@GailL1 wrote: Well that ain’t gonna happen -___________________________________True—but that’s exactly my point. A work-around without a real fix just kicks the can. We need an immediate infusion to stabilize the system now, paired with structural r...
RickS467730 08-09-2025 01:45 PM
1
Reply
0
Kudos
5782
Views
Not sure if I did anything special or just hit a lucky part of cue? I started the application on the 9th and completed it on the 15th. I did check the box that said I disputed my numbers as my 2024 salary has not been tabulated as of yet (941 filed i...
RickS467730 08-28-2025 07:53 PM
1
Reply
1
Kudo
8940
Views
I applied on August 15th. I got notified yesterday that I will start receiving benefits the second Wednesday of September. Today SSA pinged my account for a $0 deposit. 
RickS467730 08-28-2025 07:06 PM
1
Reply
1
Kudo
9200
Views
I get your point on the time value of money, and yes—using a positive discount rate changes the math. At 3%, my break-even point isn’t 14 years—it’s closer to 12. And when I factor in investing those early benefits—even conservatively—I’d never reali...
RickS467730 08-14-2025 05:40 PM
1
Reply
0
Kudos
2043
Views
I get your point, and I agree — people should understand the trade-offs before filing early. In my case, I’ve looked closely at the earnings cap, clawback rules, and the lifetime benefit impact. For me, taking SS now instead of at FRA in 5 months mea...
RickS467730 08-11-2025 03:42 PM
1
Reply
0
Kudos
2310
Views
@GailL1 wrote: Well that ain’t gonna happen -___________________________________True—but that’s exactly my point. A work-around without a real fix just kicks the can. We need an immediate infusion to stabilize the system now, paired with structural r...
RickS467730 08-09-2025 01:45 PM
1
Reply
0
Kudos
5782
Views
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Date Registered ‎11-18-2024 08:04 PM
Last Visited ‎09-04-2025 05:40 PM
Total Messages Posted 21
Total Kudos Received 12
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