<h3>關鍵點</h3>
<ul>
<li>Dave Ramsey 建議在 62 歲時申請社會保障並投資這筆錢。</li>
<li>Suze Orman 建議儘可能晚些申請，理想情況下等到 70 歲再申請福利。</li>
<li>Orman 的建議對於大多數老年人來説更可能是正確的選擇。</li>
<li>一項最近的研究發現了一個單一的習慣，能夠使美國人的退休儲蓄翻倍，並將退休從夢想變為現實。詳細內容請點擊這裏。</li>
</ul>
<p>Suze Orman 和 Dave Ramsey 都是知名的金融顧問，旨在為數百萬聽眾提供財務建議。兩人都毫不意外地討論了何時申請社會保障這一重要問題。然而，他們對此問題的看法截然不同。</p>
<p>具體來説，Dave Ramsey 表示人們應該在 62 歲時申請社會保障，這是他們被允許申請的最早年齡。他希望人們儘早領取福利，並將從社會保障中獲得的資金進行投資，以增加財富。這是因為他認為投資這筆錢可能會讓你比推遲申請福利更有利，儘管推遲申請確實可以通過避免提前申請罰款和獲得延遲退休積分來提高你的福利。</p>
<p>Suze Orman 則有不同的理念。她認為你應該儘可能晚些申請社會保障，以避免對提前申請者施加的罰款，並最大化你的延遲退休積分。因此，關鍵問題是：誰是正確的？</p>
<h2>Suze Orman 和 Dave Ramsey 誰推薦了正確的社會保障申請方法？</h2>
<p>Ramsey 的建議似乎很有道理，因為理論上你可以通過將資金投入標準普爾 500 指數基金獲得 10% 的年回報。</p>
<p>相比之下，提前申請社會保障會使你的福利在前 36 個月內每月減少 5/9 的 1%，在此之後的每個月減少 5/12 的 1%。這導致在完全退休年齡之前的前三年內，福利減少 6.7%，而在提前超過 36 個月申請的情況下，每年還會額外減少 5%。而推遲申請社會保障則每月增加福利 2/3 的 1%，或每年增加 8%。</p>
<p>獲得 10% 回報比避免 5% 或 6.7% 的損失要好，也比獲得 8% 的年收益要好。</p>
<p>問題在於，標準普爾 500 的 10% 年均回報是長期的。投資可能在某一年，甚至幾年的時間內出現虧損。如果你在 60 多歲時在 62 歲申請社會保障，試圖投資這筆錢，而標準普爾在接下來幾年表現不佳，你將陷入困境，因為不僅沒有通過投資增加社會保障福利，反而可能需要開始提取資金來維持生活，並可能在不利時機鎖定損失。</p>
<p>放棄社會保障福利的保證增長，以換取投資可能帶來的更好收益，對大多數人來説並不明智。而且，這還沒有考慮到許多人提前申請是因為他們有宏偉的投資計劃，但最終發現生活的種種因素使他們不得不花掉這筆錢。</p>
<h2>Orman 對你的社會保障申請有正確的看法</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。她建議等待，以便增加這一來源的終身保證收入，她的建議是正確的。</p>
<p>雖然推遲申請社會保障有時可能很具挑戰性，尤其是如果這意味着你需要更長時間依靠儲蓄生活或等待退休，但推遲申請有保證的回報。更重要的是，大多數人如果等待申請福利，最終的終身社會保障收入會超過僅僅持平的情況。</p>
<p>這是因為大多數人現在的壽命比當初制定提前申請罰款和延遲退休積分制度時要長。這些福利和積分旨在使無論何時申請的終身福利相等，但現在的研究表明，大約 70% 的退休人員如果等待申請，最終會更好。</p>
<p>如果你不想在老年時冒險希望能夠成功投資你的社會保障，聽從 Orman 的建議可能會帶來回報。如果可以的話，等待申請你的福利。你也可以考慮與財務顧問交談，以獲得針對你個人情況的個性化建議，因為你的退休目標和儲蓄可能會影響開始領取福利的最佳時間。</p>
<h2>顛覆退休計劃的新報告</h2>
<p>你可能認為退休是選擇最佳股票或 ETF，但你錯了。即使是優秀的投資在退休時也可能成為負擔。這是積累與分配之間的簡單區別，而這會產生重大影響。</p>
<p>好消息是？在回答三個簡單問題後，許多美國人正在重新調整他們的投資組合，發現他們可以比預期更早退休。如果你正在考慮退休或認識正在考慮退休的人，請花 5 分鐘瞭解更多信息。</p>

DAVE

<p>蘇茜·奧爾曼和戴夫·拉姆齊在社會保障索賠方面提供了截然不同的建議。拉姆齊建議在 62 歲時索賠以投資這筆錢，而奧爾曼則建議等到 70 歲以獲得最大福利。奧爾曼的方法被認為對大多數老年人更有利，因為它保證了增加的終身收入，儘管延遲退休可能面臨一些挑戰</p>

<h3>Key Points</h3>
<div class="lb-trans"><h3>關鍵點</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 建議在 62 歲時申請社會保障並投資這筆錢。</li>
<li>Suze Orman 建議儘可能晚些申請，理想情況下等到 70 歲再申請福利。</li>
<li>Orman 的建議對於大多數老年人來説更可能是正確的選擇。</li>
<li>一項最近的研究發現了一個單一的習慣，能夠使美國人的退休儲蓄翻倍，並將退休從夢想變為現實。詳細內容請點擊這裏。</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 都是知名的金融顧問，旨在為數百萬聽眾提供財務建議。兩人都毫不意外地討論了何時申請社會保障這一重要問題。然而，他們對此問題的看法截然不同。</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>具體來説，Dave Ramsey 表示人們應該在 62 歲時申請社會保障，這是他們被允許申請的最早年齡。他希望人們儘早領取福利，並將從社會保障中獲得的資金進行投資，以增加財富。這是因為他認為投資這筆錢可能會讓你比推遲申請福利更有利，儘管推遲申請確實可以通過避免提前申請罰款和獲得延遲退休積分來提高你的福利。</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 則有不同的理念。她認為你應該儘可能晚些申請社會保障，以避免對提前申請者施加的罰款，並最大化你的延遲退休積分。因此，關鍵問題是：誰是正確的？</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 誰推薦了正確的社會保障申請方法？</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 的建議似乎很有道理，因為理論上你可以通過將資金投入標準普爾 500 指數基金獲得 10% 的年回報。</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，提前申請社會保障會使你的福利在前 36 個月內每月減少 5/9 的 1%，在此之後的每個月減少 5/12 的 1%。這導致在完全退休年齡之前的前三年內，福利減少 6.7%，而在提前超過 36 個月申請的情況下，每年還會額外減少 5%。而推遲申請社會保障則每月增加福利 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>獲得 10% 回報比避免 5% 或 6.7% 的損失要好，也比獲得 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>問題在於，標準普爾 500 的 10% 年均回報是長期的。投資可能在某一年，甚至幾年的時間內出現虧損。如果你在 60 多歲時在 62 歲申請社會保障，試圖投資這筆錢，而標準普爾在接下來幾年表現不佳，你將陷入困境，因為不僅沒有通過投資增加社會保障福利，反而可能需要開始提取資金來維持生活，並可能在不利時機鎖定損失。</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>放棄社會保障福利的保證增長，以換取投資可能帶來的更好收益，對大多數人來説並不明智。而且，這還沒有考慮到許多人提前申請是因為他們有宏偉的投資計劃，但最終發現生活的種種因素使他們不得不花掉這筆錢。</p>
</div><h2>Orman has the right approach to your Social Security claim</h2>
<div class="lb-trans"><h2>Orman 對你的社會保障申請有正確的看法</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。她建議等待，以便增加這一來源的終身保證收入，她的建議是正確的。</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>雖然推遲申請社會保障有時可能很具挑戰性，尤其是如果這意味着你需要更長時間依靠儲蓄生活或等待退休，但推遲申請有保證的回報。更重要的是，大多數人如果等待申請福利，最終的終身社會保障收入會超過僅僅持平的情況。</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>這是因為大多數人現在的壽命比當初制定提前申請罰款和延遲退休積分制度時要長。這些福利和積分旨在使無論何時申請的終身福利相等，但現在的研究表明，大約 70% 的退休人員如果等待申請，最終會更好。</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>如果你不想在老年時冒險希望能夠成功投資你的社會保障，聽從 Orman 的建議可能會帶來回報。如果可以的話，等待申請你的福利。你也可以考慮與財務顧問交談，以獲得針對你個人情況的個性化建議，因為你的退休目標和儲蓄可能會影響開始領取福利的最佳時間。</p>
</div><h2>The New Report Shaking Up Retirement Plans</h2>
<div class="lb-trans"><h2>顛覆退休計劃的新報告</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>你可能認為退休是選擇最佳股票或 ETF，但你錯了。即使是優秀的投資在退休時也可能成為負擔。這是積累與分配之間的簡單區別，而這會產生重大影響。</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？在回答三個簡單問題後，許多美國人正在重新調整他們的投資組合，發現他們可以比預期更早退休。如果你正在考慮退休或認識正在考慮退休的人，請花 5 分鐘瞭解更多信息。</p>
</div>

蘇茜·奧曼與戴夫·拉姆齊在社會保障問題上的爭論：誰更有道理？