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  2. Retirement Insurance Benefits - Wikipedia

    en.wikipedia.org/wiki/Retirement_Insurance_Benefits

    For each month that the benefit is claimed before the month in which the person attains Full Retirement Age, the benefit is reduced by a certain amount of the PIA. For the first 36 months, the benefit is reduced by 5/9 of 1% of the PIA; for additional months it is reduced by 5/12 of 1%. The aggregate reduction for the first three years is 20%. [10]

  3. Primary Insurance Amount - Wikipedia

    en.wikipedia.org/wiki/Primary_Insurance_Amount

    [2] [3] For the purposes of the United States Social Security Administration, PIA is used as the beginning point in calculating the annuity payment of benefits that is provided to an eligible recipient each month during retirement until the recipient's death. Generally, the more a person pays in FICA taxes during their life, the higher their ...

  4. How to Calculate Your High-3 for Federal Retirement - AOL

    www.aol.com/finance/calculate-high-3-federal...

    Federal workers receive a monthly income in retirement based on specific formulas. While these formulas vary depending on certain factors, income and service years are key components of their ...

  5. Social Security (United States) - Wikipedia

    en.wikipedia.org/wiki/Social_Security_(United...

    Deductions cease when the benefits have been reduced to zero and the worker will get one more year of income and age credit, slightly increasing future benefits at retirement. For example, if a person was receiving benefits of $1,230/month (the average benefit paid) or $14,760 a year and have an income of $29,520/year above the $15,120 limit ...

  6. Against that backdrop, Kates recommended another way to calculate your number: Multiply non-health insurance expenses by 28 — roughly equal to a 3.5% withdrawal rate — multiply expected health ...

  7. The rule of 25 for retirement: What it means and how to ... - AOL

    www.aol.com/finance/rule-25-retirement-means...

    Rule of 25: After accounting for her Social Security and other sources of retirement income, Katie plans to spend $40,000 a year in retirement. 40,000 x 25 = $1 million, so Katie would need $1 ...