Quote:
Originally Posted by LisaJ
I'm leaning to staying part time. I know this will probably sound crazy to some/ and not to others but, working two more days takes alot of energy. It is not really 16 more hours it is more like 20 hours. It usually takes me 30-45minutes to get to work and same on the way home, plus the effort of getting ready to go to work (what to wear, etc), if I can leave at precisely the time I'm supposed to be finished with work,etc. After 5 days of that, then I/we have to clean the house, grocery shop, errands, personal things on Saturday, etc. I don't have the energy left to do the things I/we enjoy.
So then it comes back to the question of do I work full time for 2.5 years (which isn't as enjoyable) to get to TV one year earlier or do I continue doing what I do now?
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Another item for you to investigate is when to start taking SS. Not knowing your facts I would say that the individual with the highest earnings (Your actual ages could change this) delays SS until age 70. The other spouse applies for SS at age ? and their spouse applies for the spousal benefit. If you need additional money to live on use your savings to make up what you lose in SS. The idea is that by delaying SS you are buying an inflation protected annuity for the increase in benefits. Probably the best deal around.