The rantings of a teacher who retired from the classroom but not from education.
Don't you dare retire now! If We go, who will tell the truth? Who will speak for our students and our communities? Who will educate the Student Teachers who come in knowing everything and nothing?
Protect your husband by taking pop-up.
My original thought was to take the pop up, but speaking to the consultant has me thinking. My husband does have a pension of his own and the cost of the pop up is pretty high. We might be better off taking the pension in full and investing extra.
I wish I knew what the hell any of this meant. Sadly, I am seriously the most ignorant person on the planet when it comes to finances. :( Thankfully, I have a good friend who is the vice-president of a finance firm. The very first day of my spring break was spent in his office, going over all of my finances, because I was hoping he would tell me I had options (quit my job, switch a lower paying job in the suburbs, go back to school, open my own preschool, etc...) I actually left his office feeling better than I did when I went in!
I don't know much more than you ChiTown. That is why I paid someone for advice.
Just a idea: Wait to take social security till age 66 then half goes to hubby if you predecease (it's a higher amount than half of benefit at age 62) It depends on your ages and his benefit too. You can take spouse's half of his social security (at age 62) and defer your own.
Still have a way to go before social security. That will be the next big thing we have to worry about.
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