Full Show: Clark’s Solution to the Social Security Crisis and Alternatives to Student Loans

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Күн бұрын

It’s clear that Social Security is in trouble. We have an aging population in the United States, and the math has gotten worse for future beneficiaries. What can we do? Clark has two ideas that he thinks could work. Also, student loan rates are increasing which makes it even more difficult to borrow for education. There are a few unique alternatives that could make college more affordable and improve your chances of landing a good job after graduation.
Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 24, 2024, episode of The Clark Howard Show.
00:00 - Intro
01:00 - Clark’s Solution to the Social Security Crisis
10:21 - Ask Clark - Dash Camera
11:29 - Ask Clark - Dentist in Costa Rica - Medical Tourism
14:17 - Ask Clark - Avoiding Capital Gains Taxes - 1031 Exchange
16:43 - Alternatives to Student Loans
20:58 - Ask Clark - Taking Student Loan or Getting Money from Parents Retirement Account
23:49 - Ask Clark - EV Rental for Non-EV Drivers
27:00 - Ask Clark - Update on Listeners Rabies Shot charges
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Пікірлер: 148

@carolwhitaker5880 21 күн бұрын

Amen, Brother Howard. Preach on about Congress.

@martincagle9226 26 күн бұрын

Audit all the career politicians and see how they became so wealthy.

@chuckinhouston9952 25 күн бұрын

Absolutely! And… we desperately need term limits.

@donaldlee6760 25 күн бұрын

Nobody here in the comments is going to audit their boss, neighbor, you, or a politician...can you simply tell us the answer of how politicians become so wealthy because it's clear you already audited politicians and know the answer.

@donaldlee6760 25 күн бұрын

@@chuckinhouston9952 - I couldn't agree with you more about needing term limits and I'm 99% sure Clark would endorse this too.

@rcfnc 25 күн бұрын

Easy answer to that - insider information. We know that already. Pelosi is a prime example.

@donaldlee6760 25 күн бұрын

@@rcfnc - I live next door to San Francisco (Berkeley). I suspect you might be correct about her and I really wish someone younger would have replaced her decades ago, but I'm sure you agree with me that it's unfair to accuse somebody of a crime without evidence. If you believe she committed the crime of insider trading then contact the SEC. The SEC has a long history of aggressively prosecuting this crime, even against people who are wealthy and connected.

@tomjohnston3601 26 күн бұрын

I like your remarks on Social Security. "A little from column A, a little from column B" is probably the most likely approach to shoring up the program. I think selling workers on delaying benefits another year will be a hard sell for people with physically demanding jobs.

@tbarc1 25 күн бұрын

Agree 100%! I honestly think I'd be crippled if not dead if I hadn't retired before my FRA of 66.8 years. I only missed it by a little over a year early but...a year into retirement I'm just now seeing some recovery (both physically and mentally!) I was a factory assembly worker doing unlimited required 6/12 hour days weekly.

@virginiamoss7045 25 күн бұрын

Yes, constant physical work wears a body down. One can always move to less physically demanding work by doing management or consulting in their field or by changing skills as one grows older. Still, constant forced sedentary work can also make you sick and shorten your life with obesity and weakness. Could be physical labor is healthier.

@jmwichert8842 25 күн бұрын

Another way help make the system solvent is a small increase in the payroll tax. Raising the cap and raising the retirement age also help.

@monicam9174 25 күн бұрын

And the mentally acrobatics you have to endure in many corporate structures is excruciating. The stress can kill you over time

@Clark 25 күн бұрын

Good point about physically demanding jobs. 💚

@philjones8411 26 күн бұрын

Vote for Clark!!

@Clark 25 күн бұрын

🫣💚

@sarashann 26 күн бұрын

Why on Earth higher income earners had a cap is beyond me. Raise the cap! As someone who worked a physically demanding job, I don't like the idea of raising the age.

@spbennett88 25 күн бұрын

High income earners/corporations have the money to pay the corporate lobbyists to make sure Congress doesn't either increase or do away with the earnings cap.

@virginiamoss7045 25 күн бұрын

The cap is due to rich people looking after their own best interests by using money to bribe politicians to make laws and rules to benefit them only; in other words, the cap is corruption. You would still be able to take Social Security early, but the payment would be less, just like you can take it late, age 70, and get more. Who complains about 70 when the noted age is 65 or 66 or 67? No one, so what's the big deal about any age. It's an insurance program based on insurance structure and actuarial science so that it can do what it says it can do; it's not a welfare program. You are required to start drawing at age 70; some people don't need it then or ever because they are rich. Maybe if they have to keep paying in with the complete removal of the cap, they wouldn't be so rich and that would be a proper balance. A lifetime of physical labor does age you faster in some ways; however, the sedentary life of some wealthy people who let themselves get fat and unhealthy also ages people faster. Keeping as healthy as possible is the key.

@JimzAuto 25 күн бұрын

Earnings cap is reflective of ‘pay out’ gap- you do know SSI benefits are capped, yes?

@virginiamoss7045 25 күн бұрын

@@silentnot4812 I think the idea is that at a certain point, enough is enough. If you want to sacrifice, that's up to you; you get relatively less because you most likely need less. That may not seem fair, but it is in my opinion. My father was an airline pilot captain; he made good money but was not super rich. When he retired, he was annoyed to get Social Security checks every month that he had to travel a long way to deposit in the nearest bank but also because he didn't need it and others did. He then had to decide what charity to send money to.

@Clark 25 күн бұрын

Good point about physically demanding jobs. 💚

@vernoninteriano1287 26 күн бұрын

0:20 Thanks Clark !! 20 years listening to ..

@adriennem5358 25 күн бұрын

Thank you Team Clark! I'm glad you speak bluntly and aren't a politician, which actually means we really need you in office!!!

@TheBudgetWarrior 25 күн бұрын

MAWA. Make America Work Again. Great (and realistic) campaign slogan.

@robp9746 25 күн бұрын

Republicans would rather you work until you drop.

@rcfnc 25 күн бұрын

@@robp9746hardly but you are better off working than to live off handouts from the government. That is the Democrats motto. Suck the government teak. That is how they buy votes.

@TheBudgetWarrior 25 күн бұрын

@@robp9746 I think you have taken Clark’s quote out of context.

@TheLifetraveler1 25 күн бұрын

Whoa Clark Howard we finally agree on something with social security. Thank goodness you explained what it means when someone says the system is going broke. You didn't do that before. Thank you. I hate it when politicians try to scare our population by using the word broke, without actually defining what that means. Again thank you. For explaining it better than our politicians like to do it

@Clark 25 күн бұрын

Whoa! We agree on something? 😱 Always welcome your differing opinions, too! 💚

@virginiamoss7045 25 күн бұрын

About eighteen or more years ago Consumer Reports had an article with a list of 8 small things to make small adjustments to Social Security that would sustain it for the foreseeable future. They were simple and painless. But no! After years before then of warnings, politicians refused to do anything. How is it that every politician gets corrupted once in office if they weren't already that way when they arrived? As time moves on the small fixes aren't enough; it would have been so much easier and less disruptive then and even more so before then when the warnings were evident.

@kikizozu 25 күн бұрын

We all wish we could give you more thumbs up, but they only allow us one

@Clark 25 күн бұрын

👍👍💚

@chuckinhouston9952 25 күн бұрын

Clark, excellent discussion on social security. Spot on, dude. Politicians are totally gutless.

@Savannah-ed4rv 25 күн бұрын

Raising the age is a horrible idea! Clark, you are fortunate to have a non-physical way of making a living but people who have a very physical job like like waitressing or nursing or a truck driving or Landscaping, simply cannot work in their chosen profession until they're 70 years old there are some people who were fortunate to have the energy and physical ability but many people do not!

@Clark 25 күн бұрын

Good point! 💚

@g.t.richardson6311 25 күн бұрын

Yes, that is true, I retired from my real job at age 60, I am now semi retired at age 63 What is funny? Now I run a small painting contractor business and property maintenance and do a lot of landscaping yard cleanup and painting I couldn’t be happier,, I’m glad I can still do it, I will do it as long as I can, because it’s financially rewarding and personally rewarding of a job well done

@verasearle7570 25 күн бұрын

I tried to get the college message Clark gave. Debt control is so important. Good show.

@grayfox9911 25 күн бұрын

Thanks Clark & Team!!

@douglasa.5039 25 күн бұрын

Politicians are so reluctant to talk about Social Security ??? Both parties blaming the other. Thank You Clark.

@g.t.richardson6311 25 күн бұрын

Oh some aren’t reluctant …..congressman making outright false statements … “they want to take/cut your social security”

@marietaylor5174 25 күн бұрын

Thank you Team Clark.

@EricVega2020 25 күн бұрын

Thank you Clark! That was my question about paying for my daughter's college. I've been listening to you and your advice for decades now, and I appreciate your direct advice and input. So glad we can get you on podcasts!

@Clark 25 күн бұрын

Thanks for being part of the show, Eric, and for being a long-time listener. Best wishes to your daughter's new college experience! 💚

@AndyTempleman-ot6lu 25 күн бұрын

Raise the ss cap! I agree with you Mr. Howard.

@stevencole7331 25 күн бұрын

This is partially why I took SS at 62 . Bird in the hand is better in the bush as the old proverb would say . There was just a recent proposal that was bipartisan. It wasn't perfect . So it is discussed within small committees but can't get a overall consensus. The problem is Republicans don't want to raise taxes and Democrats don't want to reduce benefits so it would take a compromise to get something done

@g.t.richardson6311 25 күн бұрын

I am 63 but retired at age 60, my wife is five years younger than me and will retire next summer at age 59, I am going to start my Social Security next summer to bridge the gap and pay our medical insurance when her pension begins at age, 60 , January 2026, and I go on Medicare in the same month. In someways, I wish I would’ve just taken it when I turned 62 But I didn’t really need the money, so this is how the plan worked out

@dpporlando 25 күн бұрын

Clark please read Teresa Ghilarducci's Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy. Better yet have her on and interview her.

@Clark 25 күн бұрын

Thanks for the suggestion! 💚

@bradleyvanzile1111 25 күн бұрын

I am so glad that I paid all my college loans off on day one after graduation. I didn’t realize the severity of the importance. To get paid as soon as possible.

@charlessommers7218 25 күн бұрын

Great info 👍

@jimroberts6176 25 күн бұрын

Why not take a higher percentage out of our checks, in addition to raising the income ceiling a bit? I have no problem contributing more toward a benefit so important to my retirement. I don't agree with increasing the FRA. Not fair to manual laborers, etc.

@kl9809 26 күн бұрын

Why is it ok to have defense spending go unchecked and frivolous but we have to work 60 or 70 years to get a tiny check that we may die before we spend a year's worth of it?

@tbarc1 25 күн бұрын

Because we can't seem to keep our nose out of the issues other countries have...this practice leads to self conflict leaving us a sitting duck for repercussions that could very well wipe us out.

@cutehumor 25 күн бұрын

no raising the age. raise the FICA tax for SS on employee and employer 1.5 percent each or whatever it takes to meet the shortfall. it hasn't been raised since 1990. done and done.

@sconnell1791 25 күн бұрын

Hospital monopoly/duopoly is possible because of Certificate of Need laws. Existing hospitals literally have the ability to veto new providers coming in and competing for patients. It's cronyism to the nth degree and is seriously harming healthcare affordability. If you haven't heard of CON laws, read up on them and pressure your state legislators to repeal the hospital cartel statutes.

@makeyourlifeeasier5794 25 күн бұрын

Thanks for my veggies Clark. Any more of the excess candy from politicians will force me to go to Costa Rica for Dental work!

@David53D 25 күн бұрын

We cross the Mexican border for low priced dental.

@makeyourlifeeasier5794 25 күн бұрын

@@David53D I have heard that was pretty common.

@Clark 25 күн бұрын

Ha! 💚

@56Spookdog 26 күн бұрын

Another way to find medical/dental care is to watch a number of KZfaq videos of people that have moved to what ever country where you want to get things taken care of. JC Travel Stories is one of many that have moved and retired in area of expatriates.

@Clark 25 күн бұрын

Great tip, Clarkie! 🙌

@kati-ana 25 күн бұрын

If you ask people if they think they're "kind", most will say they are. They usually aren't. Same goes with drivers. Most think they are "really good" drivers when they are usually the worst.

@michaelmeyers3664 25 күн бұрын

Back in the early 1980's I read a article that said social security would be broke by 1990!!

@robp9746 25 күн бұрын

Same fear mongering as today. They just need to raise the FICA cap.

@Clark 25 күн бұрын

It would have been broke, until the Social Security Reform Act helped out. 💚

@hojo70 11 күн бұрын

The average American only lives to 77, and the social security full benefit age should be based on this average lifespan. Delaying full benefit age would disproportionately harm vulnerable populations, such as low-income workers, individuals with physically demanding jobs, and those with shorter life expectancies. Many low-income workers rely heavily on Social Security benefits for retirement income and might not have substantial personal savings or pensions. Additionally, individuals in physically demanding occupations may find it difficult to work longer due to health issues or job strain, making it unfair to expect them to delay retirement. Furthermore, delaying the full benefit age could exacerbate existing inequalities, as those with lower life expectancies may receive fewer total benefits over their lifetimes compared to those with longer life expectancies. This change could also increase financial insecurity and poverty rates among older Americans, undermining the original purpose of Social Security as a safety net for retirees.

@markwilkins1544 25 күн бұрын

Clark for President

@Clark 25 күн бұрын

🫣💚

@HankColter 25 күн бұрын

No, the opponents would bring up his wardrobe and the dark secrets of his thrift store purchases.

@Clark 24 күн бұрын

@@HankColter 😂😂💚

@scottwhite2583 26 күн бұрын

Take the limit on social security taxation

@e-care-books9867 25 күн бұрын

#BonusTerm - "Howard's Version" - What Clark would do about Social Security and ways Clark #savesmoney on so many things. :) #TeamClarkRocks. Cheers!

@Clark 25 күн бұрын

💚 #bonusterm

@BobbiDoll 25 күн бұрын

Why is it monopolies are illegal in other industries but not in medicine?

@retired8484 25 күн бұрын

Right, SS is not at all complicated and ridiculously easy to fix.

@lizadivine3785 23 күн бұрын

They tax the crap out of social security. You get taxed to put it away and when you want your benefit they tax it back from you for up to 85 percent.

@Xenos-rx3bo 25 күн бұрын

The solution to Social Security: Pushing back the distribution age + tax hikes. If you can, get those ROTH conversions done ASAP, because taxes are gonna be going up.

@JohnPaynekj4wzo 25 күн бұрын

add a 5-cent tax on everything bought. Anyone who buys anything would go towards the American Retirement System.

@ericrose540 24 күн бұрын

Agree raise the cap & the benefit. No class warfare. Raise the retirement age that you can begin to take social security retirement. Many people that are age 62 or older continue to work at a minimum part time anyway. I will no longer vote for a political candidate unless they are talking about social security & have a plan.

@martincagle9226 26 күн бұрын

All tax dollars sent out of our country is for kickbacks.

@BrokeMillionaire1 26 күн бұрын

💪🏾💪🏾

@kozicki4 25 күн бұрын

Why is there a cap at all?

@claudedavis6739 25 күн бұрын

The only candidate for president l hear talking about national debt is not being allowed on debate stage this week! Go figure

@melaniestarkey7868 25 күн бұрын

I so agree with you. I watch two politicians tearing each other apart to be voted in as president meantime they both talk about freedom and then do everything to remove our freedom of speech and what we have to say so we can't vote for who we want.

@tosi6233 26 күн бұрын

❤❤❤

@stephenparsons6011 25 күн бұрын

How come we dont hear about the SNAP funds f/k/a food stamp program running out of money?

@TheBudgetWarrior 25 күн бұрын

Another item to be considered is the spousal benefit……..unlike survivor benefits, it is double-dipping.

@spiffyh 25 күн бұрын

Wealthy people probably don't need to get that SS check. Instead of taking that money they could get the equivalent in a income tax credit. If they aren't taking money out it would leave more in the pot for those who do need it. Probably not a complete solution, but it would help.

@Clark 25 күн бұрын

@virginiamoss7045 👆Commented above that her dad would get so annoyed receiving his SS checks because he didn't need them and knew that other people did. She said that he would donate the money to charity. 💚

@Joce123 25 күн бұрын

Taking a page from the movie "Office Space" all that has to happen is a tiny amount of increase for all of the current workers.

@pointreyes4272 25 күн бұрын

Many Americans believe that the full benefit SS retirement age for new retirees under 65 years of age is 65. Nope. It's 67* . The vast majority of blue collar workers at age 67 will find it impossible to continue working though. Can you imagine a 67 year old roofer? *the exception being those turning 65 later this year the retirement age is 66 and 10 months.

@alcozome 25 күн бұрын

👏👍

@BangNguyen-ux4ie 25 күн бұрын

"Sometimes it seems the politicians in the United States today love themselves and their party more than they love this country..." The third certain thing, after death and taxes 🤣🤣🤣

@mattmorris2141 25 күн бұрын

I think we must raise the retirement age to keep with the intent of the program. On the investment idea, why not, when you turn 60, the feds give you the option of placing your SS nest egg in the market, up to 50% of it? If you are risk averse and don't want a dime of it in the market, you are guaranteed that 80% of your original investment. But you might actually make a tidy profit if you put a big chunk of that SS money in the market at 60 and delayed withdraw till 70.

@doctork1708 20 күн бұрын

REMOVE THE INCOME LIMITS FOR PAYING INTO SOCIAL SECURITY.

@toddplace8309 25 күн бұрын

Take it at 62, suspending it at 67, start it backup at 70. You will get a guaranteed 24% + Cola’s increase. Plus you will get 60 pmts (5 years) to go travel or whatever.

@virginiamoss7045 25 күн бұрын

You can also take it at 62, invest every payment and start drawing at age 70. It's a bit risky, but I did that in 2010 riding the longest bull stock market with just a target retirement fund. Those extra earnings are now returning slightly more than the difference in what I would have gotten more from Social Security. You could also ride the longest bear market ever! SS pays about 8% a year earnings; it's kind of like an annuity.

@eltigre5469 26 күн бұрын

Hard to believe a bunch of ridiculous politicians won’t fix this particular thing, they’ve got better things to waste time and money on……..35 trillion in debt and who knows how unfunded liabilities there are

@bondpit8750 25 күн бұрын

SS and Medicare are unfounded liabilities. Both are pay as you go. Any excesses collected and paid in over the years have gone into the general fund, there is no investment fund. And the federal government still spends more than it takes in. The math is upside down and unsustainable.

@retired8484 25 күн бұрын

We won't be seeing huge stock market gains in the near term, but it's definitely not "significantly overvalued." It's approximately 2% overvalued at the moment.

@doctork1708 20 күн бұрын

Follow the law. It’s illegal to borrow money from Social Security, yet that has been done for decades by Congress and it has NEVER been paid back.

@martincagle9226 26 күн бұрын

Are they working on another plague to fix it?

@Crf-nr9jy 24 күн бұрын

So social security is an investment that pays early investors with money taken from later investors with unrealistic returns? That is the same definition of something else...

@gobot4455 25 күн бұрын

By the way, the over valuation of the market is due to the incredible income inequality. People who have the money to spare will buy assets and outcompete the rest of us. I'll offload when I start seeing tax policies that encourage divestiture.

@martincagle9226 26 күн бұрын

Salesmen want a bonus

@Clark 25 күн бұрын

💯

@n.c.467 12 күн бұрын

CLARK HOWARD FOR PRESIDENT 2024!!! Thumbs up if you agree!!!

@e-care-books9867 25 күн бұрын

On Social Security, I think disability insurance should be a separate program. There are many legit folks on SS disability, but there are also many "milkers.'' Also, disability benefits should be taxed, not at the full level but at least some tax on it.

@TheBudgetWarrior 25 күн бұрын

They should be taxed same as anyone else.

@belleofsavannah 25 күн бұрын

Just turned 65 and $175/month for medicare is a lot coming out of my SS check especially when I just had to take the summer off with no pay from teaching preschool.

@paulmarshall1127 25 күн бұрын

This is why Clark says he is not interested in public office Cause he would never get elected when he said. Be brave run for office state your platform and let’s see what happens.

@smaneck 24 күн бұрын

We need to remove the cap on earnings subject to FICA taxes entirely but raising the retirement age hurts the working class that are lucky to make it to 62. Besides, the wealthy live 7-10 years longer and therefore collect more in the end anyhow. The other solution you alluded to briefly, and this is a solution no one in Congress dares to mention. INCREASE IMMIGRATION.

@dpporlando 25 күн бұрын

No raising retirement age stop that nonsense. Raise the cap.

@virginiamoss7045 25 күн бұрын

Do both and more. I am 75 years old. I took Social Security at age 70 because I was required to, but was perfectly able to and wanting to continue my self-employment of 39 years. I had to stop then because of COVID and was planning to continue after it was over and I could have. Turns out I liked retirement and avoided COVID so it all worked out. For the most part, most people can easily work to age 70, but should have the option to retire at 62. Sadly, many people have to keep on working past 70 due to poverty; SS was never designed to be able to live on it. You must save for your own retirement!

@dpporlando 25 күн бұрын

@@virginiamoss7045 Congratulations 🎉 you did everything correctly. That doesn't change the fact that 50% of Americans 50-64 have $0 saved; 50% of 65+ live on $30k yearly; 25% of 65+ live on $15k yearly; 50% of all retirees live on SS alone; yet 10% of Americans own 80% of all equities. The system isn't a system. Those that can afford to wait till 70 to file are the very least likely to actually need SS.

@virginiamoss7045 25 күн бұрын

@@dpporlando Your math appears also correct. I live on slightly less than $30,000 annually at age 75; that's with SS and drawing $1,000 a month from savings. I know how to live frugally. The only way I can do that is with a paid-off house and car that will be my last car before I can't drive any more. When my savings run out I guess I'll sell my house and invest the proceeds to keep $1,000 coming monthly with SS, but no money for rent, just like everyone else. And I did everything right that I knew to do.

@virginiamoss7045 25 күн бұрын

@@dpporlando I would add that anyone can afford to wait until 70 to retire if they continue working. One retires because they are no longer able to work or no one will hire them because they are old. The latter is rampant and unlawful, but nobody cares.

@jamesmorris913 25 күн бұрын

Hi, Virginia-I'm in much the same scenario as you. I would HIGHLY suggest, that you look into a reverse-mortgage, if your home is paid-off. You DON'T have to give-up your home! Listen to Clark's videos on that topic..to avoid the "sharks" in that industry@@virginiamoss7045

@wwz1011 26 күн бұрын

Sadly, social security surpluses (when we had them) are invested in Treasury Bonds. This means ZERO growth for long term money. Ridiculous! Had the surpluses been invested for growth, we would have plenty of money, enough to even increase benefits. No union, state, or corporation would ever invest retirement funds solely in bonds. They invest in growth products, real estate, stocks, whatever. Social security is not running out of money. It's out of money. It will run out of bonds to cash in. Every time one of those bonds is "cashed in", the government turns around and floats out more bonds and borrows the money from others. The government refuses to act until the last moment. The fix during the Reagan era was back when the two parties actually compromised with the other party to solve problems. Yet, they didn't act until the last minute. Social security has always been a transfer, as people making the least get the most in benefit. It's a weird calculation, but there are income levels once crossed, credits are reduced "bend points".

@bondpit8750 25 күн бұрын

Wrong! Where did you get that idea? There is NO investment fund. Social Security is a ‘pay as you go’ program. The excess monies collected have gone into the general fund and a non interest bearing ‘IOU’ is issued back to the SS Administration on the balance sheet. That’s a non funded liability. The math is upside down. I wish they would have invested the excess funds into US Treasury bond, notes and bills, and hands off for the politicians. There would be no pending shortfalls.

@CarsBikesBoats7 25 күн бұрын

You did a fair job on the Social Security Mess but you didn't address the Fraud in the system enabled by the politicians who'd rather "hand out candy"...

@tammiepulley7167 25 күн бұрын

Universal healthcare insurance would fix the high cost of a rabies shot.

@g.t.richardson6311 25 күн бұрын

Yeah, their contributions are cap at 169,000, their benefits are also capped, it’s a progressive system already you wanna make it more progressive? And I am not someone who was ever at that level of income.

@g.t.richardson6311 25 күн бұрын

Ok I didn’t listen long enough, You make a good point that if the contribution limit is increased their benefits also increase.

@Clark 24 күн бұрын

@@g.t.richardson6311 😂💚

@Chuck-H 25 күн бұрын

You make a living for decades thru talking therefore your health maybe better than the standard American worker. The US should never raise the social security full retirement age beyond 67. Many people are physically damaged and working is difficult beyond 60.

@davelively7423 25 күн бұрын

Raising the full retirement age past 67 does NOT mean raising the minimum retirement age above 62. The last time congress raised the retirement age they left the minimum at 62 and will likely do the same in the future. Raising the full retirement age would decrease benefits for those choosing to retire at 62 but it would still be an option.

@Clark 24 күн бұрын

@@davelively7423 💯💯💯 There will still be an age range.

@Savannah-ed4rv 25 күн бұрын

Most people don't think about it but part of the reason our population has decreased is because we've killed about 75 million babies through abortion. It can't be denied that that has affected our demographics and our economy.