Um aposentado americano ganha em media US$ 1,178.80 por mes
O calculo de aposentadoria Americano leva em consideracao os 35 anos em que o contribuinte ganhou mais, o que equivale aos anos que ele/ela contribuiu mais. Portanto nos anos dourados onde o salario e geralmente maior, ele substitui para efeito de calculo os anos que o contribuinte pagou menos, geralmente no inicio da carreira.
Dan Curtis expects Social Security to be his largest source of retirement income. The 52-year-old patient advocate for a health insurance company has a few thousand dollars in a 401k, but he finds it difficult to save on a salary of $38,000 a year, before taxes, in Minneapolis. He is also paying off $20,000 in student loan debt and providing child support payments for his two children.
“My retirement future feels pretty uncertain,” he says. “If I could make another $10,000 or $12,000 a year, I could probably put some money away.”
While it’s generally a good idea to supplement your Social Security income with a traditional pension or personal savings, millions of people count on Social Security as their primary source of retirement income. Just over a third (34%) of retirees age 65 and older got 90% or more of their retirement income from Social Security in 2008. And the majority of retirees age 65 and older (64%) get at least half of their retirement income in the form of a Social Security payment.
Getting by on Social Security alone or with a small amount of savings will generally require some cost-cutting. The average monthly Social Security check was $1,178.80 in March 2011. A dual-earner couple, each receiving the average benefit, would receive $28,291.20 annually, which would be adjusted each year for inflation. Here’s a look at how you can retire when Social Security is your primary source of retirement income. (Use this MSN Money calculator to see if you’re saving enough for retirement.)
1. Maximize your benefit. If Social Security is going to be your biggest source of retirement income, you want to boost your benefit as much as you can. Your highest 35 earnings years are factored into your Social Security payout. Getting raises, working a second part-time job or even delaying retirement could boost your benefits because higher-earning years later in your career will cancel out years in your teens or 20s when you didn’t earn as much. Your payout also varies based on the date you sign up for benefits