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Are You A Senior Citizen Yet?
Stepping Stones to Senior Citizenship
- You become eligible for Social Security.
- Hit 59 1/2 and can start withdrawing from 401k or IRA without penalty.
- Need knee replacement or dentures.
- Spouse passes away or divorce.
- You become a grandparent.
- Retire from your job or career.
- Senior discounts start at some retailers at age 55 or join AARP at age 50.
When can you get your first social security check?
- You can get social security if you become disabled at any age and are unable to work any more.
- Turn 62 and qualify for social security at a reduced payout. There is a penalty if you work before full retirement age.
- Turn 65 at full retirement age and qualify for Medicare.
- If you take Full Age social security you can still work and not lose any of your social security benefits.
- Retirement Payouts
- You can start withdrawing from
- IRA and 401K at age 59 1/2 with no penalties.
- 10% penalties of withdrawal before 59 1/2.
- After the age of 72 you must take a “required minimum distribution” from your retirement accounts.
Medical Conditions
- Hypertension (high blood pressure)
- Arthritis and hearing loss.
- Teeth lost and dentures
- Knee or Hip replacement
- Cataract surgery
- Needing a walker
- All make you feel older
- Prepare For Retirement: Don’t let it catch you by surprise
- You must prepare for when you no longer have your social network of co-workers.
- You must work on growing your social circles outside of work well before you lose work life.
- Join groups that interest you. Learn to dance, be it Swing, Salsa, Square Dancing or type of dance you always wanted to learn.
- Share your ideas with you life partner of what you want your future life to be.
- Volunteering at a hospital or charity, joining online groups or join a biking or walking group. Don’t be afraid of senior citizen centers you may meet some interesting people.
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