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Several people have said to me that if I were to retire early then I would lose out on a great deal of Social Security benefits.  The fact is that the earlier I retire the more return I would receive from Social Security.  Here is the reason why those who want to get more from Social Security should retire early.

First of all, I am still 40 years from what Social Security calls the “full retirement age”.  That is when I can collect 100% of the benefits I am entitled to.  In 40 years I have no idea whether or not this program would be around.  If it is not going to be around anymore then it seems to make sense to pay as little into it as possible.

Next there’s the issue of how your retirement benefits are calculated under Social Security.  Basically, the calculations work out so that those who pay more will get less of a return on what they paid.  Here is theof how Social Security benefits are calculated this year.

Using that worksheet lets do a real example of two hypothetical people that both start working in 1991 and reach their full retirement age in 2010. (This is possible since some immigrants start working in America later in life.)  Suppose person A works for 10 years from 1991 to 2000, and person B works for 20 years from 1991 to 2009.  Also suppose that they both start off with a salary of $32,000 per year and get a raise of 2% per year. The is that person A has a monthly benefit of $866.49, and person B has a monthly benefit of $1180.58. So basically, person B paid more than twice the taxes as person A, but has a benefit of only 36% more.  Why isn’t it 100% more?   The reason is that the formula is meant to replace more income of a person with lower lifetime earnings.   It’s pretty easy to see that this is a system of diminishing returns, and it is better to retire early if you can because the rate of return you get on your taxes would be higher than if you retired later.

Finally I think a lot of people have a misconception of how Social Security works.  All the money we are paying now are going to current retirees.  None of the money is being saved into an account like a 401k.  So in the future the benefits we collect will come from younger folks.  It is supposed to be an insurance system since a lot of people die before ever collecting any benefits, but it is really another system that forcibly transfers income, and there is no point in paying for it more than you have to.

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I haven’t blogged much lately since I have been preoccupied with work, the baby, and taxes.  The good news is that the taxes are pretty much done, and this is the first time we are getting a refund since we have been married.  We are getting a refund because both of us took off at least six weeks  last year for the birth of our baby, and since those weeks were not paid by our employer our taxable income is lower than usual.

Today the baby is actually officially six months old, and he is still getting cuter in our opinion.  I am still breastfeeding and it is really the most effortless way to lose weight.  I have lost about 50 pounds since my peak weight during pregnancy, and now I am about 10 pounds lighter than my weight on my wedding day.  Breastfeeding is also saving me a ton of money on formula and I really love it.  I will try to continue feeding the baby breastmilk until he is one, but lately he has been increasing his appetite quite a bit.

I am starting to feed the baby some pureed fruits once a day, and he is eating from the spoon pretty well.  I am making my own baby food after I read the wonderful website It does take more effort, but the cost per serving is quite a bit less than the store bought baby foods.   I am not doing it just because I am cheap but I am just a bit wary of the jarred babyfood on store shelves.  Some of them have preservatives and some of them have added sugar and I’m not sure if that’s the best thing for a little baby.  I think making my own baby food is also positively impacting how we eat since I am shopping for fresh produce more often now.  I definitely would like to cook more for myself and the hubby, too, but it is hard to find the time.

As to our finances now, we are still saving around 40% of  our gross income even with the kid.   The biggest new expense is just childcare.  My husband has deemed my a success since the baby consistently does his business on the potty now.  This allowed us to save a lot of diapers and also a little bit of money.  When I think about it, if there are no childcare costs, then a baby is really not that expensive if you feed him or her breastmilk.  I guess what I am trying to say is that there are “cheap” ways to raise a kid if you put in the time and effort, and that is not necessary a bad thing.

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So yes, the ginormous I am not going to get into the politics and nitty gritty of the bill, but I will write about how this affects our early retirement plan.

If this reform works like it is supposed to then it is actually a positive change for those who want to retire early and live a modest but comfortable life.  The main reason is that the government will hand out subsidies for health insurance costs to those who make less than 400% of the poverty level.  If you use the , you will see that a family of four with an income of $44,000 a year is required to pay 6.3% of its yearly income on health insurance and the rest will be subsidized.  This works out to be $2765 a year or $230 a month.   So even if this family’s  health insurance actually cost $12,000 a year, at that income level the family would have to pay only $2765.  That is equivalent to a bonus of more than $9000 a year.  I think that we will be just fine on $36,000 to  $44,000 of income a year in retirement so we will be receiving a subsidy since there do not seem to be any asset limits.

This subsidy also makes me think that it is much better for us to  pay off our mortgage early instead of using investment or other income in retirement to pay for the mortgage.  The reason is that if we lived in a mortgage free house we would not need the income to cover the mortgage, and a lower income means a larger subsidy.  I know that some early retirees keep their mortgages because their rates are very low and their investment incomes surpasses the mortgage interest rate, but now it is possible that some may be able to save more in health insurance costs by reducing their incomes.

I am pretty sure that these subsidies will ultimately push health insurance costs up, and it is definitely wealth distribution, but it is unlikely that this law will be repealed. The law definitely makes health insurance affordable to many people through other people’s money, but I do not see much in the bill that actually reduces healthcare costs.  I am just hoping that the plans available in the future health insurance exchanges are reasonable, and the flood of newly insured folks do not overwhelm the healthcare system like it already did in Massachusetts.

Ultimately, I think the passage of this law just reinforces my belief that we should retire early, live more,  and consume less.  I will keep a close watch on how this plan rolls out in the next few years, but at least for now those who want to retire early and do not have health insurance from a former employer  can get a fairly clear budget of their health insurance costs based on their incomes in retirement.

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The good folks at H&R Block sent me a copy of their software to do my taxes this year.  Here is my review of their product and a chance for a reader to win a copy of H&R Block at Home.

H&R Block at Home is the software formerly known as H&R Block Taxcut Online.  I have not used their old software so I am writing as a newbie user of H&R Block software.  The version I received was .  My taxes are not overly complex, but I do file the regular 1040 form and I have to file a schedule C for business income.  The software also included one state form and I chose California.

I found the workflow to be very simple.  I have used TurboTax in the past and I felt that H&R Block at Home was less of a hassle because it was so simple. I was able to type in everything in a couple hours and there is a good error check section where I could review the forms.  With each step there is a guide that explains what each field means.  I found the explanations to be more clear than TurboTax for the most part.

Many features in this software is also present in other popular tax software packages.  For example, there is a running count of your tax refund or underpayment on the right top corner.  However, one thing that is unique about the H&R Block software is that in case you get audited you will get the assistance of an H&R Block enrolled agent, and I think that is a great value.

One thing that I felt was a bit lacking is that there were not that many companies where I could download investment data from so I had to type in my investment sales one by one.  The software did not support popular investment firms like Fidelity, Vanguard, and Charles Schwab, so I requested that those companies be added in the next iteration of the software.

To win a free copy of H&R Block at Home, just leave a comment telling me your thoughts about taxes this year.  Do you love them or hate them?  Do you think you pay too much?  A winner will be announced and contacted on 03/22/2010.

The winner was lucky number 7!  Jay’s comment:

Our taxes are so confusing! I feel like I would never be able to figure it out-we have an extended family member do them for us so I would say I hate them!!

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It is tax season again, and to be honest I really do not enjoy paying taxes and I think I am in good company.  I hate paying taxes because there have been years when our living expenses were actually lower than our tax liability.  This is yet another reason why I want to retire early and live on less.

I have calculated our tax burden if we just earned what we needed to live on, and it is very small.  In fact, if we cut our expenses a little more in “retirement” we may even qualify for some refundable tax credits to zero out our tax liability.

I know that our taxes have gone to a lot of worthy causes such as education and infrastructure, but it also has gone to lining the pockets of bankers and random homebuyers.  I am not going to go into the “fairness” of it all, but I feel that it is silly to feed into a  system you do not agree with if you do not have to.

Right now we essentially live on part of one of our incomes.  If we kept our payrates and both worked two full days out of the week then we could cover our expenses.  However, we cannot do this yet because our jobs are full time jobs. I think that if companies had more well-paying part time positions then a lot of the current unemployment issues would be solved, and perhaps employees would be happier and more efficient, too. I know I would be a lot happier with two days of work and five days of leisure a week, and I would try to get as much done as possible in the two days I am working.

I know that some readers must think that attempting to drop out of the workforce early is lazy, but I just do not agree with the convention of working for the majority of your life for someone else. The current tax system is set up so that you get a little less of every extra dollar you earn, and you have no control over where that money goes.  So why should we waste time that we could be spending with our loved ones to pay someone else’s house downpayment?  It is not laziness that motivates me to retire early, but the realization that the only way to keep more of your life and freedom is to work less and consume less.

If you are paying more taxes than what you live on, then maybe it is time to assess how little you actually need to work to survive.  Perhaps you have already saved enough to retire and just don’t realize it.  Perhaps it is time to reclaim your life.

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