If you’re like most working Americans, you’ve seen deductions from your paychecks since your first job as a lifeguard or an ice-cream scooper. Now it’s time to think about the other side of that: how do you maximize the value of your investment in our national retirement plan? We’ll talk a little about the history and purpose of Social Security, and a lot about how and when to apply, how your payments are determined, and how they’re affected by marriage, divorce, remarriage, widowhood, age, and disability. |