{"id":735,"date":"2026-10-29T15:00:00","date_gmt":"2026-10-29T15:00:00","guid":{"rendered":"https:\/\/www.multiplefinancialgroup.com\/blog\/?p=735"},"modified":"2026-10-29T15:00:00","modified_gmt":"2026-10-29T15:00:00","slug":"social-security-alone-is-a-gamble-amaliatuagentedesegurosentexas","status":"publish","type":"post","link":"https:\/\/www.multiplefinancialgroup.com\/blog\/2026\/10\/29\/social-security-alone-is-a-gamble-amaliatuagentedesegurosentexas\/","title":{"rendered":"Social Security Alone Is a Gamble | #Amaliatuagentedesegurosentexas"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/amalia-martinez\/dave-ramseys-nononsense-warnings-on-social-security-what-you-need-to-know-remotion-videos-0bba\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>The federal retirement program was never meant to be primary income; on a $70K salary, benefits cover ~40% of earnings, or ~$28K yearly.<br \/>\nClaiming at 62 can lock in a ~30% permanent cut, and break-even often lands near age ~79, making one-size-fits-all timing decisions risky.<br \/>\nWorking after early claiming can trim checks by $1 for every $2 earned above ~$24K in 2026, though withheld money returns later.<br \/>\nIf benefits start early, use them for basics, not extras, and remember taxes plus health premiums can shrink the deposit that actually arrives.<br \/>\nA projected 2035 trust fund shortfall reinforces the main takeaway: build savings you control, because government retirement programs may change over time.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The federal retirement program was never meant to be primary income; on a $70K salary, benefits cover ~40% of earnings, or ~$28K yearly. Claiming at 62 can lock in a ~30% permanent cut, and break-even often lands near age ~79, making one-size-fits-all timing decisions risky. Working after early claiming can trim checks by $1 for [&hellip;]<\/p>\n","protected":false},"author":454,"featured_media":736,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-735","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/posts\/735","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/users\/454"}],"replies":[{"embeddable":true,"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/comments?post=735"}],"version-history":[{"count":1,"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/posts\/735\/revisions"}],"predecessor-version":[{"id":765,"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/posts\/735\/revisions\/765"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/media\/736"}],"wp:attachment":[{"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/media?parent=735"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/categories?post=735"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.multiplefinancialgroup.com\/blog\/wp-json\/wp\/v2\/tags?post=735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}