Although it is preferable to plan ahead for retirement in the United States, sometimes some beneficiaries want to upgrade later. While it is true that improving the Social Security check after retirement is possible, sometimes this can be too complicated.
Keep in mind that the retirement check depends on the 35 years worked with the highest salary. Besides that, the age at which we apply for Social Security also plays a role. If we stop working, the Administration will take the 35 years with the highest salary until then.
Therefore, in order to be able to increase that monthly retirement amount it is necessary to increase that figure. To do this, we must get a job in which we earn for several years a higher salary than the previous one. This is not impossible to do, but it is quite difficult in most cases.
In the area of retirement age, we find that this is no longer possible to change. If we have applied for Social Security at age 62 there is no turning back, at least for almost all citizens. There are exceptional cases.
This way of increasing the checks may not be enough. So try to have a retirement plan that starts much earlier. We must take into account the three elements that make up Social Security. We cannot leave out any of these three factors.
In short, before applying for retirement we must work for 35 years with a good salary. To that we must add that we have to ask for a Social Security check at age 67 to get 100% of the money contributed.