Maximize Your Social Security Benefits and Retirement Income

+Social Security will reduce benefits in about 2033. +Pick the right Social Security benefit timing for you. +Create budgets that guide your spending. +Create an investment plan for 30 years. +Create tax-FREE income from your IRA. +Take advantage of the miracle of compounding:       $100,000 becomes $600,000 in 15 years.      We need to maximize our Social Security benefits. The average benefit is about $15,000--about HALF the average retiree's income of $31,000. This is less than the level needed for most families. Most economists say we need 80% of the the average household income of $51,000. We need to develop our own "lifestyle security." We need to create more income--preferably tax-FREE income--to avoid the tax increases needed to pay for 2 wars, 2 tax cuts and 2 Wall Street bailouts.        Today you can make sure you are protected by creating an inflation-proof retirement Spending Plan. We need to enter the last 30 years of our lives knowing how we are going to manage them. We need a realistic and flexible plan. Two-thirds of pre-retirees don't have a clue how they will make it. Financial advisors only want wealthy clients. We are on our own.