Retirement and Social Security

Wow, writing a blog takes time! It’s been a few weeks since I created my first blog entry. During that time I had a back attack that had me laid up for a week and I took a week vacation to Arizona. I’ve also been getting my garden and yard ready for the Chicagoland winter.


I’m not fond of winter and plan to be a snow bird when I retire, spending 1/2 the year here and 1/2 the year in Arizona or some other warm place. While in Arizona, I checked out Sun City West, Sun City Grand and Sun Lakes–all retirement communities. One day it will be good for me to have the social aspects that these communities provide, as I a tend to be a loner and introvert–not good things when it comes to aging well.  I’m only 54 now, and not retiring soon, but I wanted to see what retirement communities had to offer.


I’ve been researching information on Social Security. Did you know that your SS yearly benefit is based on the top 35 income years you’ve worked? Check out: 10 things to know about SS
I don’t think they count the years til after age 21…it’s only been 33 years since I was 21 and a few of those years I worked very little or not at all when my kids were babies. So if I want to have decent numbers in my top 35 years, I’ll keep working. Not that I am ready to retire just yet, I enjoy my career as a self-employed instructional designer. Plus I want to make and save more money so I can retire comfortably.


If you want to learn more about SS check out: You can start a ‘My Social Security Account’, confirm your yearly earnings and calculate how you can optimize your SS. All this and much more.