Disability, Retirement, Survivors

Financial Literacy Month: A Perfect Time to Plan for Your Future

April 8, 2021 • By

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Last Updated: November 2, 2023

woman on computer typingApril is Financial Literacy Month—a time focused on educating people about the importance of planning for a secure financial future. Social Security is a vital part of any financial plan. We have online tools to help you understand your potential Social Security benefits and how they fit into your financial future.

You should periodically review your Social Security Statement with your personal my Social Security account. Your Statement is an easy-to-read summary of the estimated benefits you and your family could receive—including potential retirement, disability, and survivors’ benefits.

Additionally, our Plan for Retirement tool in your personal my Social Security account allows you to run various benefit estimate scenarios. You can compare different future earnings and retirement benefit start dates for how they could affect your benefit amount.

Start improving your financial literacy today by logging in to your personal my Social Security account. If you don’t have an account, we encourage you to create one today. Please share this information with your family and friends—and post it on social media.

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About the Author

Darlynda Bogle, Assistant Deputy Commissioner

Darlynda Bogle, Assistant Deputy Commissioner


  1. Enyo Y.

    Amazing article and blog, thank you for sharing your wisdom with us,

    Greetings from Texas

    Enyo Y

  2. Darlene B.

    I have approximately 6 years before I turn 70. My intention is to retire from my job at 72 after 30 years of employment. Can I hold off on requesting retirement benefits until age 72 to coincide with my pension? Will that have an adverse effect on my retirement benefits?

    • Vonda

      Hi Darlene, thanks for using our blog to ask your question. When you delay collecting benefits beyond your full retirement age, the amount of your retirement benefit will continue to increase up until age 70. There is no incentive to delay claiming after the month you attain age 70.

      Keep in mind that you can apply four months before you want your benefits to start. When you’re ready to apply for retirement benefits, use our online retirement application, the quickest, easiest, and most convenient way to apply. We hope this information is helpful!

  3. Jennifer F.

    This is great helpful resource that I plan to use to my established financial status that is independence and requires actions that are involved but it’s been a long stressful struggle to handle others that are getting more negative results that is a indignified existence I must endure besides my disability.

  4. rickitabradford6@gmail.com

    Rent higher then income want to know whats the catch I cant make ends meet need more income to fall threw

  5. David

    Thank you for taking the time to write to us Appreciate the useful info. clinica de recuperação

    • Mark S.

      Financial Literacy is having both the knowledge and the competence to manage your personal and household finances in order to set and reach meaningful goals

      thats so true, i am not sure maybe it helps to relax and play some games like https://www.penovo.com

    • rafay

      Planning save you from the bad and sometimes from the worst days. Most of the nations plan for their financial year and makes the things possible for furniture stores near me to produce even the best quality products.

  6. philipmanto

    when you want to grow your finances, you can do this by playing slots at panen138. Even during this pandemic I have managed to earn a lot of money.

  7. sepehr

    Social security is one of the tools of governments to regulate the welfare of the people. Thanks for your article.

  8. ashley b.

    Planning alway works. Do plan when you are in a safe situation, this is because doing assignments works in a bad or worst situation.

  9. Jimmy Y.

    Hi there,

    During Financial Literacy Month, financial institutions, nonprofits, and human service agencies increase their focus on the importance of financial literacy through events, programs, and counseling. The goal goes beyond helping consumers learn more about finances to helping them actually improve their personal and household financial stability and success.

    Financial Literacy is having both the knowledge and the competence to manage your personal and household finances in order to set and reach meaningful goals..

    Thanks for sharing this nice article SSA team,

    best regards

    Jimmy Y.

  10. Tom G.

    I turn 70 on August 28, 2021. I wish to maximize my Social Security benefits. Do I apply for benefits to begin in August and receive my first benefit check I September?

    • Ann C.

      Hi, Tom. Thanks for your question. Your benefit is increased by a certain percentage if you delay receiving benefits. These increases, called delayed retirement credits, are added in automatically from the time you reach full retirement age until you start receiving benefits or reach age 70. You can file up to four months in advance for retirement benefits. If you wish to receive benefits at age 70, based on your birthdate, benefits would be effective August but paid in September. We hope this helps.

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