Josh Scandlen Podcast

I get so fed up about hearing of this supposed "Retirement Crisis" when I see the numbers with my own eyes telling me it's not so.  Am I crazy??? So, to prove my sanity, once and for all, I decided to take the numbers from the Census Bureau, yes even though there are some issue with those, and then run a scenario on the Social Security Admin calculator.  I wanted to see what the Social Security benefit would be for someone who's HOUSEHOLD made the median income going back many, many years. I mean, think about it like this.  If my household was able to get by on $5k a month while working should my household be able to get by on less than that in retirement?   Of course!  No one would argue that.  Okay, so if we run the Social Security numbers we see that even with stopping work at 62, my spouse and I have a replacement ratio of well over 50% from SOCIAL SECURITY ALONE relative to the income our household brought home while working. With just a couple tweaks we can get a repl