2015 | ISBN: 1476772290 | English | 336 pages | EPUB | 0.6 MB
Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else.
Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year.
How many retirees or those nearing retirement know about such Social Security options as file and suspend (apply for benefits and then don't take them)? Or start stop start (start benefits, stop them, then re-start them)? Or-just as important-when and how to use these techniques? Get What's Yours covers the most frequent benefit scenarios faced by married retired couples, by divorced retirees, by widows and widowers, among others. It explains what to do if you're a retired parent of dependent children, disabled, or an eligible beneficiary who continues to work, and how to plan wisely before retirement. It addresses the tax consequences of your choices, as well as the financial implications for other investments.
Many personal finance books briefly address Social Security, but none offers the thorough, authoritative, yet conversational analysis found here. You've paid all your working life for these benefits. Now, get what's yours.
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Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else.
Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of expla...more
Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of expla...more
Published February 17th 2015 by Simon Schuster
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Apr 03, 2015Carol rated it it was amazing
The Hook - Just read the title Get What’s Yours: The Secrets to Maxing Out Your Social Security. I want what’s mine and I’ll assume you do also. My sincere thanks to Denis Vukosav for recommending this book. If my comments don't convince you read Denis' here https://www.goodreads.com/review/show...
The Line – ”The bad news is that one of the most important things we’ve discovered about understanding Social Security is that you can’t trust a lot of what other people say about it, beginning with th...more
The Line – ”The bad news is that one of the most important things we’ve discovered about understanding Social Security is that you can’t trust a lot of what other people say about it, beginning with th...more
Mar 21, 2015Nancy rated it it was ok
The information in this book would have gone down a lot easier if I didn't feel like I was reading the script for an infomercial. Stylistically, the writing left me feeling a bit icky. My other main complaint is that most of the examples given cited figures that seemed to target people well above the national average for income, so while Mr. X might be getting hundreds of thousands of dollars more over his lifetime by waiting until he's 70 to collect, Mr. Y wasn't going to see nearly as large a...more
Aug 23, 2016Carol Bakker rated it liked it
I hopscotched my way through this book, skipping chapters on disability, divorce, gay couples, and widowhood. Unfortunately the book, although it was written in 2015, is obsolete. The authors favorite strategy, a loophole called 'file and suspend' has been closed.
That said, this book changed my mind. I'm always slightly astonished when that happens. I had assumed that when I turned 62 I would sign up for the monthly check.
The second chapter, Life's Biggest Danger Isn't Dying, It's Living, is t...more
That said, this book changed my mind. I'm always slightly astonished when that happens. I had assumed that when I turned 62 I would sign up for the monthly check.
The second chapter, Life's Biggest Danger Isn't Dying, It's Living, is t...more
Jul 18, 2016Jane rated it liked it · review of another edition
I'm torn on how to rate this book. On the one hand, this is an important topic and the writing style is conversational and friendly. But the book was very confusing.
Because there are so many specific situations that may apply, Social Security is a difficult topic to succinctly and clearly cover. I had to keep flipping back through the book as I read, because I came across a lot of information that at first seemed to conflict with earlier information, but then I would realize that I had missed a...more
Feb 23, 2015DeniseBecause there are so many specific situations that may apply, Social Security is a difficult topic to succinctly and clearly cover. I had to keep flipping back through the book as I read, because I came across a lot of information that at first seemed to conflict with earlier information, but then I would realize that I had missed a...more
rated it really liked it Shelves: first-reads
Full Disclosure: I was chosen a Goodreads winner and received a free copy of Get What's Yours... in the mail. That in no way affects the review that follows.
As confusing as the SSI system is, it's no wonder that a book like this is necessary! This particular one is easy to read and understand, witty, and very well organized, with a glossary, an appendix (the actual SSI benefits application, annotated), and plenty of diverse examples.
The authors have really done a very good job of explaining and...more
As confusing as the SSI system is, it's no wonder that a book like this is necessary! This particular one is easy to read and understand, witty, and very well organized, with a glossary, an appendix (the actual SSI benefits application, annotated), and plenty of diverse examples.
The authors have really done a very good job of explaining and...more
While reading this book (borrowed from my local library) I ordered a copy to give to my brother on his upcoming birthday. Then I returned to taking copious notes on those chapters that currently or potentially apply to myself and my husband.
Kotlikoff, Moeller and Solman have written an accessible short book on the ins and outs of social security and it is a must-read for anyone wanting to correctly understand what they are eligible for in terms of social security benefits, and when to apply for...more
Kotlikoff, Moeller and Solman have written an accessible short book on the ins and outs of social security and it is a must-read for anyone wanting to correctly understand what they are eligible for in terms of social security benefits, and when to apply for...more
Written in simple English, with lots of examples [real & imaginary], this book explains and offers advice on how to maximize Social Security benefits in almost every possible family scenario. Yes, the authors repeat themselves, and they know it, but they want to make sure readers understand and remember their best strategy. For in many cases, those who make the wrong decision will leave lots of $$$ on the table. My only complaint is that they didn't completely address an increasingly common...more
Oct 16, 2016Glenda rated it it was amazing · review of another edition
The authors just want us to understand that, if possible, wait until age 70 to claim Social Security benefits ... you and your surviving spouse will reap the benefits of waiting for the rest of your long lives.
Aug 22, 2017Lois rated it really liked it · review of another edition
If you've been divorced and have a less than generous state pension ( whose earnings were not covered by social security) this is a great book to weep into. We're talking about the unhappy interplay of PIA, WEP and GPO. So if these acronyms befuddle you and you need to be informed about your social security status, this book is highly recommended.
Nov 05, 2017Donna Robbins rated it liked it · review of another edition
As others have mentioned, the title is unpleasant, although the subtitle is accurate; I'm someone who thinks US social security should be more like a safety net than a 401K (I just can't see why we'd let Warren Buffett claim social security benefits), and the title seems to promote the opposite view. But, most of us don't have a nest egg the size of Warren's, and we're going to need social security if we're going to avoid poverty in retirement; since social security rules are complicated and the...more
Jun 04, 2015Dave rated it really liked it
Our men's book club (we're in our 50's and 60's) picked this book and I'm very glad we did. Everyone should read this or something very similar prior to becoming eligible for social security (early retirement is 62). The three authors (Kotlikoff, Moeller, and Solman) have huge credibility, are recognized experts, and write well. Social security is very complex, with the potential for many, many different outcomes for everyone. I think most people believe that you submit your paperwork and the op...more
There is repetition in the book. However, it describes the various options well and also the language used by social security. The book has good advice for same sex couples and divorced individuals. The general theme is to wait till your 70-if you are lucky enough to have other sources of income in the meantime thru savings or work. Worth a read if you are getting close or haven't decided more than a year ago. Would be good for children to understand to help there parents make the right move.
Manages to make filing for Social Security benefits, a dry, intimidating subject, both lively and understandable. If you are nearing retirement, widowed with or without children, or even divorced, you need to read and understand the lessons presented here. The strategy you use to file can amount to literally over $100,000 over your lifetime; pretty good return on a book you can buy for less than $20!
This book is an eye opener. If you're approaching retirement age or under 70 it might be worth tens of thousands of dollars to you to read this book. Seriously.
Jul 18, 2018carl theaker rated it really liked it
If you’re over 50 (any age really but you’re not going to listen if you are younger) and you are planning on getting married, unmarried, divorced, living together, or ‘disposing’ of a spousal unit, then read up on the rules of the USA social security system as a mere 1 day could make a big difference in your future benefits.
That’s one of the two big lessons to learn from this book, the other is more well known, the longer you wait to start collecting benefits, the more you get, maxing out at ag...more
The Social Security laws are complex. So is this freaking book. It is very hard to follow his logic. So much better if they had presented 'logic trees' to help a person understand the path to take? They are smart enough to build these. Why were they not included. This is achingly complex stuff. Stupifying. That's why I'm just piling it in and signing up now at age 65, because even though I've paid hunderts of thousands of dollars into this program over the years, congress sees this as something...more
This book, as well as the CD or audio version, is literally a piece of crap. I listened to the audio version, as well as perused the book version, and, not long afterward, I signed up for social security. What these so-called experts (a.k.a. 'authors') said had NOTHING TO DO WITH THE REALITY OF SIGNING UP FOR SOC. SEC., I assure you. So, their publication is pretty much worthless. And, by the way, they seemed to dwell excessively on MARRIED COUPLES, and said little to nothing of much value or si...more
I read the revised edition of this book which was published last year. I HIGHLY recommend that everyone read this book, if you think that the social security office is a great place to get information about, well, social security you can forget it. They're understaffed and overworked and it seems they don't know all the rules. These 3 authors have written a very comprehensive book addressing all kinds of situations, from married couples, divorced, survivors, disabled and children. And people who...more
Nov 16, 2018Ricardo Hernández rated it liked it · review of another edition
An essential book to understand the massive and obfuscated Social Security legislation. Offers concise strategies on how to maximize your Social Security benefits given old/new security rules, as well as your marital status, age, and other life events. Chapters 16 and 17 are a well structure summary of these strategies, so -if in a rush- just focus on these two sections and you will get all the value of the text.
One lesson from the book is clear: do not rely on your social security to plan your...more
One lesson from the book is clear: do not rely on your social security to plan your...more
Very useful reference for Social Security ins and outs - I might even say essential reading, even if you have years to go before you even consider claiming benefits.
I like the casual style, and the summary points at the end were helpful. However, some of the examples throughout the book were slightly convoluted and I think could have been presented more clearly.
Of course, as I learned by reading this book: the Social Security rules are anything BUT clear and concise, so maybe they were just prep...more
I like the casual style, and the summary points at the end were helpful. However, some of the examples throughout the book were slightly convoluted and I think could have been presented more clearly.
Of course, as I learned by reading this book: the Social Security rules are anything BUT clear and concise, so maybe they were just prep...more
I guess that the title sold me. I'v worked for well over 50 years, paid taxes at 17 jobs, working in factories to my last job as a physician. I really thought that there would be some valuable nuggets of wisdom here. As one other reviewer wrote 'it reads like an infomercial' but, for me it I had to read it at speed and was not able to glean anything except that if you stopped working before 67 you could stop your SS and it would then increase to your retirement max. It seemed to all be just comm...more
Very focused on couples, not single people on what to expect in retirement years. For me an interesting read but barely helpful as I am a single person, married only once for three years about 30 years ago. The authors constantly and boringly insisted all applicants should only apply nearing their 66th birthday and better to wait until age 70. Hence, little information for the retards who apply earlier. If you are 66 or higher with a private income, own your home and other sundries this book may...more
Sep 17, 2017Vannessa Anderson rated it it was amazing · review of another edition
Get What’s Yours is a reference guide to help you learn how to navigate the Social Security System to get the most benefits available.
What I liked and some will have a problem with is treating our social security benefits like a business. I also liked how we start learning what to do in chapter 1.
Get What’s Yours is a must read because we learn about rules we’d never heard about and because much of the material is new to us readers will want a copy for their home library.
What I liked and some will have a problem with is treating our social security benefits like a business. I also liked how we start learning what to do in chapter 1.
Get What’s Yours is a must read because we learn about rules we’d never heard about and because much of the material is new to us readers will want a copy for their home library.
Frustrating read due to authors providing many examples that are old, prior to laws changing in 2015. I was taking copious notes and then found myself crossing them out because they no longer applied or were no longer an option after 2015. :(
As with any new subject, there are a host of new terms and acronyms to learn . This book greatly increased my vocabulary and knowledge of the subject by arming me with resource references, questions to ask and calculations to run!
As with any new subject, there are a host of new terms and acronyms to learn . This book greatly increased my vocabulary and knowledge of the subject by arming me with resource references, questions to ask and calculations to run!
The companion book to the Medicare topic this book delves into the intricacies of Social Security and related topics. The general message is to wait as long as you can until collecting, yet most don't. Geared quite heavily toward the spousal benefit aspects that would apply to a lot people in marriages or former marriages. The ending takes on the current financial state of the system the future survivability
My pursuit of knowledge about government entitlements for seniors continues - haha. This book covers a lot of 'what ifs'. Only a few apply to our situation - I read those and skimmed the rest. Onward to Social Security and Medicare for Dummies :-)))) I am missing reading for pleasure!
Already outdated, because you can no longer file and suspend...but helpful in terms of showing the maddening complexity of the program. Probably best to use specialized software to calculate your options!
Feb 20, 2019Avi-Gil rated it it was amazing · review of another edition
Anyone in his or her late 50s or early 60s who plans on collecting Social Security MUST read this book. Applying the knowledge here to your individual situation could be worth thousands over the rest of your life.
This book could have been a long magazine article. Lots of it wasn't relevant to me and others will have different parts of it that aren't relevant to them. But everyone needs to be informed about their options under social security, and this book seems to be a good place to start.
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Anyone approaching 60 should read this, or other materials, to learn about social security benefits. The law changed while I was reading this book, for the better in my opinion, to remove one of the provisions used to abuse the fundamental purpose of this program.
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“From 9 months on, either spouse can buy the farm and the other will be eligible for survivor benefits, as well as mother or father benefits if there are children, and the children themselves—whether premarital, newborn, adopted, or from previous relationships—will be eligible for child survivor benefits.” — 0 likes
“The wife can file for a retirement benefit, but then immediately suspend its collection and restart the benefit at or before age 70, during which time she will earn Delayed Retirement Credits of 8 percent a year.” — 0 likes
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