OPINION: If your retirement date falls after 2034, the current estimate of your future Social Security benefits may not hold up.
If your retirement date falls after 2034, the current estimate of your future Social Security benefits may not hold up.
No matter the outcome of the 2022 midterm elections, Congress is going to be evenly split and will continue to be hampered by gridlock. Changes to Social Security could come simply from legislative inaction if it lasts long enough. “Young people should still be optimistic about receiving some level of Social Security benefits,” says Geoff Manville, senior director of government affairs at Mercer, a benefits consultant.
Social Security’s full retirement age may also get pushed later than 67 in the future, so you might have to factor in more years of covering your expenses. There are also some provisions in the proposed Secure 2.0 bill that may affect future retirement funding, such as the age to start required minimum distributions from qualified plans.
How to find replacement income The answer to covering the missing money is one of those simple things that’s nearly impossible to do: You have to save more.
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