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Author Topic: Did Marriage/Kids end up all you hoped it would?  (Read 1621 times)

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Offline BC

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Re: Did Marriage/Kids end up all you hoped it would?
« Reply #25 on: July 26, 2021, 07:08:07 AM »

Offline John Gaunt

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Re: Did Marriage/Kids end up all you hoped it would?
« Reply #26 on: July 26, 2021, 07:48:09 AM »
Thanks JG that's a good run down, fortunately living in the UK I can probably get benefit to pay for most of that ;)
I dont think benefits go so far as paying for all the things children need and want.
Of course, shopping for junk food at Iceland could cut food costs considerably but not something Id recommend.
One can also shop at charity shops for hand me downs and visit the food banks too for handouts.
There are many ways for Scrooges to maximise their pay benefits.
« Last Edit: July 26, 2021, 07:50:45 AM by John Gaunt »

Offline ML

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Re: Did Marriage/Kids end up all you hoped it would?
« Reply #27 on: July 26, 2021, 07:51:02 AM »
One little thing for USA folks:  If your kids are under 18 when you start to pull Social Security, they will get a benefit as well.  My two pull a benefit, combined, that is just a bit under what I pull (which is like $100/month under max).  I was totally surprised by this, since I started planning on my retirement when I was in my late 20s, and had never seen any reference on it.  It makes the decision to pull early retirement really easy.

OK, now that you clarified what you meant by 'max' I can state that if you start taking at age 62, you will be getting far, far less than 'max.'

You'll be taking something like a 30% or so reduction from max.
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Online Trenchcoat

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Re: Did Marriage/Kids end up all you hoped it would?
« Reply #28 on: July 26, 2021, 09:07:40 AM »
I dont think benefits go so far as paying for all the things children need and want.
Of course, shopping for junk food at Iceland could cut food costs considerably but not something Id recommend.
One can also shop at charity shops for hand me downs and visit the food banks too for handouts.
There are many ways for Scrooges to maximise their pay benefits.

Well reckon I can cut out the want and focus on the need JG  :D

I wondered how a lot of the women here got fat, I heard Iceland do cheap deals on a lot of their frozen/fried food but of course that comes with a lot of fat. Reckon it would be just as cheap to subject any kids to my regimen of rice & pasta, can go wrong with that ;D
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Online 2tallbill

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Did Marriage/Kids end up all you hoped it would?
« Reply #29 on: July 26, 2021, 09:54:17 AM »
Thanks JG that's a good run down, fortunately living in the UK I can probably get benefit
to pay for most of that ;)

Well reckon I can cut out the want and focus on the need JG  :D

I wondered how a lot of the women here got fat, I heard Iceland do cheap deals on a lot
of their frozen/fried food but of course that comes with a lot of fat. Reckon it would be just
as cheap to subject any kids to my regimen of rice & pasta, can go wrong with that ;D

Now you are trolling.


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Offline Goombah

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Re: Did Marriage/Kids end up all you hoped it would?
« Reply #30 on: July 26, 2021, 01:00:34 PM »
Thanks for educating us. I might just have 10 more kids now knowing there's a profit that can be made off of them.


It appears to be some fixed thing, SS guy said something like "Let me check your excess.  Ok, that divided by 2 kids is xyz per kid.  Suspect the sum total wouldn't change from 1 to 10 kids.


Regarding "max", I was obviously referring to the maximum given early retirement.  The difference on waiting is huge, but the payout equal if I die at my statistically predicted age.  E.g.  $2000/month if I start collecting at 62, $3000/month if I wait until "full" retirement at 66 and 8 months (varies based on your birth year), $4000/month if I wait until 72 (max age allowed).  But, comparing 62 vs 72, I pull that $2000 for an extra 10 years, plus get the kid benefit until they turn 18.  For ease of calculation, assume my expected death age is 82.  So I can collect $2000/month for 20 years, or $4000/month for 10 years.  It works out the same.  If I die before 82, I'm better off taking early retirement.  If I die after 82 I'm better off taking late retirement (excluding the kid benefit, which is only available now for both kids, and would be only be available for a few months if I waited until 66&8 months).


Anyhow, this is off topic, so will end on that.
« Last Edit: July 26, 2021, 05:00:25 PM by Goombah »

 

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