<h3>关键点</h3>
<ul>
<li>Dave Ramsey 建议在 62 岁时申请社会保障并投资这笔钱。</li>
<li>Suze Orman 建议尽可能晚些申请，理想情况下等到 70 岁再申请福利。</li>
<li>Orman 的建议对于大多数老年人来说更可能是正确的选择。</li>
<li>一项最近的研究发现了一个单一的习惯，能够使美国人的退休储蓄翻倍，并将退休从梦想变为现实。详细内容请点击这里。</li>
</ul>
<p>Suze Orman 和 Dave Ramsey 都是知名的金融顾问，旨在为数百万听众提供财务建议。两人都毫不意外地讨论了何时申请社会保障这一重要问题。然而，他们对此问题的看法截然不同。</p>
<p>具体来说，Dave Ramsey 表示人们应该在 62 岁时申请社会保障，这是他们被允许申请的最早年龄。他希望人们尽早领取福利，并将从社会保障中获得的资金进行投资，以增加财富。这是因为他认为投资这笔钱可能会让你比推迟申请福利更有利，尽管推迟申请确实可以通过避免提前申请罚款和获得延迟退休积分来提高你的福利。</p>
<p>Suze Orman 则有不同的理念。她认为你应该尽可能晚些申请社会保障，以避免对提前申请者施加的罚款，并最大化你的延迟退休积分。因此，关键问题是：谁是正确的？</p>
<h2>Suze Orman 和 Dave Ramsey 谁推荐了正确的社会保障申请方法？</h2>
<p>Ramsey 的建议似乎很有道理，因为理论上你可以通过将资金投入标准普尔 500 指数基金获得 10% 的年回报。</p>
<p>相比之下，提前申请社会保障会使你的福利在前 36 个月内每月减少 5/9 的 1%，在此之后的每个月减少 5/12 的 1%。这导致在完全退休年龄之前的前三年内，福利减少 6.7%，而在提前超过 36 个月申请的情况下，每年还会额外减少 5%。而推迟申请社会保障则每月增加福利 2/3 的 1%，或每年增加 8%。</p>
<p>获得 10% 回报比避免 5% 或 6.7% 的损失要好，也比获得 8% 的年收益要好。</p>
<p>问题在于，标准普尔 500 的 10% 年均回报是长期的。投资可能在某一年，甚至几年的时间内出现亏损。如果你在 60 多岁时在 62 岁申请社会保障，试图投资这笔钱，而标准普尔在接下来几年表现不佳，你将陷入困境，因为不仅没有通过投资增加社会保障福利，反而可能需要开始提取资金来维持生活，并可能在不利时机锁定损失。</p>
<p>放弃社会保障福利的保证增长，以换取投资可能带来的更好收益，对大多数人来说并不明智。而且，这还没有考虑到许多人提前申请是因为他们有宏伟的投资计划，但最终发现生活的种种因素使他们不得不花掉这笔钱。</p>
<h2>Orman 对你的社会保障申请有正确的看法</h2>
<p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/aePM.snRK4W1UEcMQ8JYuA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTE3MjA-/https://media.zenfs.com/en/24_7_wall_st__718/a56117428428687d5f9f8a0c1096947c?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="768" height="1376" original-src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/aePM.snRK4W1UEcMQ8JYuA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTE3MjA-/https://media.zenfs.com/en/24_7_wall_st__718/a56117428428687d5f9f8a0c1096947c"/></p>
<p>24/7 Wall St.</p>
<p>Orman 的方法不同。她建议等待，以便增加这一来源的终身保证收入，她的建议是正确的。</p>
<p>虽然推迟申请社会保障有时可能很具挑战性，尤其是如果这意味着你需要更长时间依靠储蓄生活或等待退休，但推迟申请有保证的回报。更重要的是，大多数人如果等待申请福利，最终的终身社会保障收入会超过仅仅持平的情况。</p>
<p>这是因为大多数人现在的寿命比当初制定提前申请罚款和延迟退休积分制度时要长。这些福利和积分旨在使无论何时申请的终身福利相等，但现在的研究表明，大约 70% 的退休人员如果等待申请，最终会更好。</p>
<p>如果你不想在老年时冒险希望能够成功投资你的社会保障，听从 Orman 的建议可能会带来回报。如果可以的话，等待申请你的福利。你也可以考虑与财务顾问交谈，以获得针对你个人情况的个性化建议，因为你的退休目标和储蓄可能会影响开始领取福利的最佳时间。</p>
<h2>颠覆退休计划的新报告</h2>
<p>你可能认为退休是选择最佳股票或 ETF，但你错了。即使是优秀的投资在退休时也可能成为负担。这是积累与分配之间的简单区别，而这会产生重大影响。</p>
<p>好消息是？在回答三个简单问题后，许多美国人正在重新调整他们的投资组合，发现他们可以比预期更早退休。如果你正在考虑退休或认识正在考虑退休的人，请花 5 分钟了解更多信息。</p>

DAVE

<p>苏茜·奥尔曼和戴夫·拉姆齐在社会保障索赔方面提供了截然不同的建议。拉姆齐建议在 62 岁时索赔以投资这笔钱，而奥尔曼则建议等到 70 岁以获得最大福利。奥尔曼的方法被认为对大多数老年人更有利，因为它保证了增加的终身收入，尽管延迟退休可能面临一些挑战</p>

<h3>Key Points</h3>
<div class="lb-trans"><h3>关键点</h3>
</div><ul>
<li>Dave Ramsey suggests claiming Social Security at 62 and investing the money.</li>
<li>Suze Orman advises waiting as long as possible and ideally until 70 to claim benefits.</li>
<li>Orman’s advice is more likely to be the right move for most seniors.</li>
<li>A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.</li>
</ul>
<div class="lb-trans"><ul>
<li>Dave Ramsey 建议在 62 岁时申请社会保障并投资这笔钱。</li>
<li>Suze Orman 建议尽可能晚些申请，理想情况下等到 70 岁再申请福利。</li>
<li>Orman 的建议对于大多数老年人来说更可能是正确的选择。</li>
<li>一项最近的研究发现了一个单一的习惯，能够使美国人的退休储蓄翻倍，并将退休从梦想变为现实。详细内容请点击这里。</li>
</ul>
</div><p>Both Suze Orman and Dave Ramsey are well-known personalities who aim to provide financial advice to millions of listeners. Both have, unsurprisingly, addressed the important issue of when to claim Social Security. However, they have very different takes on this issue.</p>
<div class="lb-trans"><p>Suze Orman 和 Dave Ramsey 都是知名的金融顾问，旨在为数百万听众提供财务建议。两人都毫不意外地讨论了何时申请社会保障这一重要问题。然而，他们对此问题的看法截然不同。</p>
</div><p>Specifically, Dave Ramsey has said people should take Social Security at 62, which is as early as they are allowed to claim it. He wants people to take the benefits early and invest the money they collect from Social Security to grow their wealth. That's because he believes investing the money could leave you better off than delaying your benefits claim, even though a delay <em>does</em> boost your benefit by allowing you to avoid early filing penalties and earn delayed retirement credits.</p>
<div class="lb-trans"><p>具体来说，Dave Ramsey 表示人们应该在 62 岁时申请社会保障，这是他们被允许申请的最早年龄。他希望人们尽早领取福利，并将从社会保障中获得的资金进行投资，以增加财富。这是因为他认为投资这笔钱可能会让你比推迟申请福利更有利，尽管推迟申请确实可以通过避免提前申请罚款和获得延迟退休积分来提高你的福利。</p>
</div><p>Suze Orman has a different philosophy. She believes you should wait as long as you can to claim Social Security, so you avoid the penalties imposed on early filers <em>and</em> max out your delayed retirement credits. So, the big question comes down to: Who is correct?</p>
<div class="lb-trans"><p>Suze Orman 则有不同的理念。她认为你应该尽可能晚些申请社会保障，以避免对提前申请者施加的罚款，并最大化你的延迟退休积分。因此，关键问题是：谁是正确的？</p>
</div><h2>Does Suze Orman or Dave Ramsey recommend the right Social Security claiming approach?</h2>
<div class="lb-trans"><h2>Suze Orman 和 Dave Ramsey 谁推荐了正确的社会保障申请方法？</h2>
</div><p>Ramsey's advice might seem to make good sense because you can, in theory, earn a 10% annual return on your invested funds by putting the money into an S&amp;P 500 index fund.</p>
<div class="lb-trans"><p>Ramsey 的建议似乎很有道理，因为理论上你可以通过将资金投入标准普尔 500 指数基金获得 10% 的年回报。</p>
</div><p>By contrast, an early Social Security claim reduces your benefits by 5/9 of 1% per month for each of the first 36 months you claim benefits ahead of full retirement age, and by 5/12 of 1% for any prior month. This results in a reduction in benefits of 6.7% for each of the first three years of a claim before full retirement age and an additional 5% per year cut for claims made more than 36 months ahead of FRA. And, a delayed Social Security claim increases benefits by 2/3 of 1% per month or 8% annually.</p>
<div class="lb-trans"><p>相比之下，提前申请社会保障会使你的福利在前 36 个月内每月减少 5/9 的 1%，在此之后的每个月减少 5/12 的 1%。这导致在完全退休年龄之前的前三年内，福利减少 6.7%，而在提前超过 36 个月申请的情况下，每年还会额外减少 5%。而推迟申请社会保障则每月增加福利 2/3 的 1%，或每年增加 8%。</p>
</div><p>Earning 10% is better than avoiding a 5% or 6.7% loss, and better than earning an 8% annual gain.</p>
<div class="lb-trans"><p>获得 10% 回报比避免 5% 或 6.7% 的损失要好，也比获得 8% 的年收益要好。</p>
</div><p>The issue is, though, that the 10% average annual return from the S&amp;P 500 is over the long haul. The investment could easily lose money for a year, or even for a few years. If you are in your 60s and you claim Social Security at 62 to try to invest the money and the S&amp;P then has a few really bad years, you'll be left in a bad spot because not only did you <em>not</em> increase your Social Security benefits by investing, but you may have to start making withdrawals to support yourself and could lock in losses if you have to start withdrawing the invested funds at a bad time.</p>
<div class="lb-trans"><p>问题在于，标准普尔 500 的 10% 年均回报是长期的。投资可能在某一年，甚至几年的时间内出现亏损。如果你在 60 多岁时在 62 岁申请社会保障，试图投资这笔钱，而标准普尔在接下来几年表现不佳，你将陷入困境，因为不仅没有通过投资增加社会保障福利，反而可能需要开始提取资金来维持生活，并可能在不利时机锁定损失。</p>
</div><p>Giving up a guaranteed increase in Social Security benefits in exchange for the <em>possibility</em> of doing better by investing just doesn't make sense for most people. And that's not even taking into account how many people claim early because they have grand plans to invest the money, but then find that life gets in the way and they end up spending it instead.</p>
<div class="lb-trans"><p>放弃社会保障福利的保证增长，以换取投资可能带来的更好收益，对大多数人来说并不明智。而且，这还没有考虑到许多人提前申请是因为他们有宏伟的投资计划，但最终发现生活的种种因素使他们不得不花掉这笔钱。</p>
</div><h2>Orman has the right approach to your Social Security claim</h2>
<div class="lb-trans"><h2>Orman 对你的社会保障申请有正确的看法</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://s.yimg.com/ny/api/res/1.2/aePM.snRK4W1UEcMQ8JYuA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTE3MjA-/https://media.zenfs.com/en/24_7_wall_st__718/a56117428428687d5f9f8a0c1096947c" alt="" original-src="https://s.yimg.com/ny/api/res/1.2/aePM.snRK4W1UEcMQ8JYuA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTE3MjA-/https://media.zenfs.com/en/24_7_wall_st__718/a56117428428687d5f9f8a0c1096947c"/></p>
<p>24/7 Wall St.</p>
<div class="lb-trans"><p>24/7 Wall St.</p>
</div><p>Orman's approach is different. She advises waiting so you can increase this source of guaranteed lifetime income, and she's right to make that suggestion.</p>
<div class="lb-trans"><p>Orman 的方法不同。她建议等待，以便增加这一来源的终身保证收入，她的建议是正确的。</p>
</div><p>While delaying Social Security can sometimes be challenging if it means you need to live on your savings for longer or wait to retire, a delay has a guaranteed payoff. What's more, most people do more than just break even if they wait to claim benefits -- they end up with more lifetime Social Security income.</p>
<div class="lb-trans"><p>虽然推迟申请社会保障有时可能很具挑战性，尤其是如果这意味着你需要更长时间依靠储蓄生活或等待退休，但推迟申请有保证的回报。更重要的是，大多数人如果等待申请福利，最终的终身社会保障收入会超过仅仅持平的情况。</p>
</div><p>That's because most people now live longer than they did when the system of early filing penalties and delayed retirement credits was created. These benefits and credits were intended to equalize lifetime benefits no matter when you claimed them, but now studies have shown that around 7 in 10 retirees end up better off if they wait.</p>
<div class="lb-trans"><p>这是因为大多数人现在的寿命比当初制定提前申请罚款和延迟退休积分制度时要长。这些福利和积分旨在使无论何时申请的终身福利相等，但现在的研究表明，大约 70% 的退休人员如果等待申请，最终会更好。</p>
</div><p>If you don't want to gamble your security as a senior on the <em>hope</em> that you'll be able to successfully invest your Social Security, listening to Orman can pay off. Wait to claim your benefits if you can. You could also consider talking with a financial advisor to get personalized advice on the claiming age that makes sense for your individual situation, since factors like your retirement goals and your nest egg could affect when the optimum time is to begin your benefits.</p>
<div class="lb-trans"><p>如果你不想在老年时冒险希望能够成功投资你的社会保障，听从 Orman 的建议可能会带来回报。如果可以的话，等待申请你的福利。你也可以考虑与财务顾问交谈，以获得针对你个人情况的个性化建议，因为你的退休目标和储蓄可能会影响开始领取福利的最佳时间。</p>
</div><h2>The New Report Shaking Up Retirement Plans</h2>
<div class="lb-trans"><h2>颠覆退休计划的新报告</h2>
</div><p>You may think retirement is about picking the best stocks or ETFs, but you’d be wrong. Even great investments can be a liability in retirement. It’s a simple difference between accumulating vs distributing, and it makes all the difference.</p>
<div class="lb-trans"><p>你可能认为退休是选择最佳股票或 ETF，但你错了。即使是优秀的投资在退休时也可能成为负担。这是积累与分配之间的简单区别，而这会产生重大影响。</p>
</div><p>The good news? After answering three quick questions many Americans are reworking their portfolios and finding they can retire <em>earlier</em> than expected. If you’re thinking about retiring or know someone who is, take 5 minutes to learn more here.</p>
<div class="lb-trans"><p>好消息是？在回答三个简单问题后，许多美国人正在重新调整他们的投资组合，发现他们可以比预期更早退休。如果你正在考虑退休或认识正在考虑退休的人，请花 5 分钟了解更多信息。</p>
</div>

苏茜·奥曼与戴夫·拉姆齐在社会保障问题上的争论：谁更有道理？