Thursday, November 5, 2026

An Introduction to the U.S. Election System: Voters Are the Real Bosses, and Politicians Are Their Employees!

An Introduction to the U.S. Election System: Voters Are the Real Bosses, and Politicians Are Their Employees!

There is a saying about American democracy that I find particularly interesting:

All politicians are employees of the voters. The voters are the real bosses! 😁

Although this statement is somewhat humorous, it reflects a fundamental principle of American democracy: government power comes from the people. Politicians are elected by the people and entrusted with the responsibility of representing their interests and exercising public authority.

Voters have the power to choose their leaders through elections. They also have the power to vote politicians out of office if they believe those politicians are not doing a good job.

The American election system is not simply about electing a president every four years. It is a comprehensive system involving federal, state, and local elections, with different levels of government operating independently while maintaining a system of checks and balances.

Let's take a brief look at how the American election system works and, more importantly, why voters play such an essential role.

1. How Do American Voters Elect Their Politicians?

The United States operates under a system of representative democracy. Ordinary citizens vote to elect representatives who make laws, manage government operations, and handle public affairs on their behalf.

American elections generally take place at three levels:

1. Presidential Elections: Every Four Years

The U.S. president is the country's chief executive and is elected every four years.

The presidential election generally involves two stages:

  • Primary Elections: Political parties hold primary elections or caucuses to allow voters to express their preferences and help determine each party's presidential nominee.

  • General Election: Candidates from different political parties compete in the general election, and voters cast their ballots to determine the next president.

However, the American president is not elected simply by whoever receives the most votes nationwide. Instead, the United States uses the Electoral College system.

There are 538 electoral votes in total, and a candidate generally needs at least 270 electoral votes to win the presidency. With the exceptions of Maine and Nebraska, most states award all their electoral votes to the candidate who wins that state's popular vote.

2. Congressional Elections: Voters Decide Who Makes the Laws

The U.S. Congress consists of two chambers: the Senate and the House of Representatives.

  • Senators: Each state elects two senators, giving the country a total of 100 senators. Senators serve six-year terms, with approximately one-third of the seats up for election every two years.

  • Representatives: The House has 435 voting members, distributed among congressional districts according to population. Representatives serve two-year terms, and all 435 seats are up for election every two years.

This means voters do not just decide who becomes president. They also determine who enters Congress and which political party controls the majority in the House and Senate.

3. State and Local Elections

The United States is a federal system in which individual states have considerable autonomy.

Voters also elect officials at the state and local levels, including:

  • Governors

  • State legislators

  • Mayors

  • City council members

  • District attorneys and certain local judicial officials, depending on the state and jurisdiction

In addition, some states and local governments allow voters to vote directly on ballot measures, including proposals involving taxes, public education, housing development, and infrastructure.

In other words, voters not only choose the people who manage the government; in some cases, they can also directly influence government policies.

2. Why Are Voters the Real Bosses of Politicians?

I believe this is the most important concept to understand about American democracy.

Although politicians hold public office and exercise considerable authority, that authority is not something they own. It is granted to them through elections and established legal procedures.

We can think of this relationship as a business:

  • Voters are the shareholders and bosses.

  • Politicians are the employees hired to manage public affairs.

  • The government is an organization established to serve the public.

  • Elections are the performance reviews through which voters evaluate their employees.

If a president, governor, mayor, or legislator does a good job, voters can continue supporting that person and elect them to another term.

If they do a poor job, voters can replace them in the next election.

For example, members of the House of Representatives must face voters every two years. This means they cannot afford to ignore the concerns and interests of the people in their congressional districts for too long.

Of course, voters cannot simply fire elected officials at any moment as they might dismiss ordinary employees. However, through regular elections, primary elections, and other legally established accountability mechanisms, voters have meaningful ways to hold politicians responsible.

3. "Voters Only Care About What Is Good for Me"

I particularly like this statement:

"Voters only care about what is good for me, which is the essence of democracy."

What does this mean?

It means that people naturally care about how government decisions affect their own lives, families, financial situations, and communities.

This does not necessarily mean that everyone only thinks about personal interests. Rather, it recognizes that in a democracy, the government must listen to the needs and opinions of ordinary citizens.

For example:

  • If you care about taxes, you may support candidates who advocate lower taxes.

  • If you care about healthcare, you may support candidates who propose healthcare policies that address your concerns.

  • If you care about education, you can evaluate candidates based on their education policies.

  • If you care about housing prices, you can examine their positions on housing supply, property taxes, and residential development.

  • If you care about public safety, you can evaluate their policies on policing, crime prevention, and community security.

Different people have different financial circumstances, living environments, priorities, and values. Naturally, they have different expectations of their government.

One of the fundamental characteristics of democracy is that it allows people with different opinions and interests to express themselves and resolve their differences through elections and public decision-making processes.

4. Why Does America Have Important Elections Every Two Years?

Many people think Americans only vote in presidential elections every four years. That is not the case.

There is another important election called the Midterm Election.

Although the president serves a four-year term, members of the House of Representatives serve only two years. Approximately one-third of the Senate seats are also contested every two years.

As a result, voters return to the polls halfway through a president's term to determine the composition of Congress.

This gives voters an important opportunity.

If voters believe the president and the administration are not meeting their expectations, they can change the balance of power in Congress through the midterm elections.

This may result in different political parties controlling the presidency, the House, or the Senate.

This is part of America's system of Checks and Balances, which is designed to prevent too much political power from being concentrated in one place.

5. How Should Voters Exercise Their Rights?

Since politicians are elected by voters, I believe voters should take their voting responsibilities seriously.

Here are five things worth remembering:

  1. Don't just look at a candidate's political party. Understand their actual policies and positions.

  2. Don't just listen to campaign promises. Examine their previous performance and accomplishments.

  3. Don't blindly support someone simply because they speak well. Pay attention to whether they have fulfilled their previous promises.

  4. Don't overlook local elections. Decisions made by local governments often have a direct impact on our everyday lives.

  5. Don't casually give up your right to vote. Not voting means giving up an opportunity to express your opinions and influence government decisions.

Of course, democracy does not guarantee that every election will produce results that satisfy everyone.

However, it provides an established and peaceful way for citizens to express their opinions, change political leadership, and influence public policies through voting.

Conclusion: Politicians Are the Employees of Voters!

I believe one of the most important things to understand about the American election system is the relationship between the government and the people.

No matter how powerful the president may be, the president obtains that position through the election process.

No matter how influential senators and representatives may become, they must remain accountable to voters.

Governors and mayors must also remember that their positions come from the people who elected them.

Politicians are not the bosses of voters. They are employees hired by voters to manage public affairs.

Their responsibility is not to make their own lives better, but to serve the public and work for the benefit of the people.

If they do a good job, voters can continue hiring them. If they do a poor job, voters can replace them.

That is why I particularly enjoy summarizing American democracy with this humorous statement:

All politicians are employees of the voters. The voters are the real bosses! 😁

Voters are the bosses. Politicians are public servants.

The meaning of democracy is not only that people have the right to choose who governs their country, but also that they always retain the power to change their leaders through the ballot box.

References (U.S. Government and Official Sources):

Gang Chen, Publisher/Bestselling Author (GreenExamEducation.com)

Architect, LEED AP BD+C, Real Estate Broker (BRE# 01232392)

美国选举制度简介:选民才是真正的老板,政治人物都是选民的打工仔

美国选举制度简介:选民才是真正的老板,政治人物都是选民的打工仔

在美国,有一句话我觉得很有意思:

所有政治人物都是选民的打工仔(Public Servants),选民才是真正的老板(The Boss)。 [呲牙]

这句话虽然带有一点幽默,但实际上反映了美国民主制度中一个非常重要的理念:政府的权力来自人民,政治人物是由人民授权、代表人民行使公共权力的。选民可以通过投票选择领导人,也可以通过选举让不称职的政治人物离开职位。

美国的选举制度并不是简单地每隔几年选一次总统,而是建立了一套联邦、州和地方相互独立、相互制衡的选举体系。

下面简单介绍一下美国的选举制度,以及选民在其中发挥的作用。

一、美国选民如何选举政治人物?

美国实行的是代表制民主(Representative Democracy)。普通公民通过投票,选出代表自己利益的政治人物,让他们进入政府,负责制定法律、管理国家和处理公共事务。

美国的选举主要分为以下几个层次:

1. 总统选举:每四年一次

美国总统是国家最高行政首脑,每四年举行一次总统大选。

总统选举大致分为两个阶段:

  • 初选(Primary Election): 各政党通过初选或党团会议,让选民表达对候选人的支持,最终确定各党总统候选人。

  • 大选(General Election): 不同政党的候选人参加全国大选,由选民投票决定总统人选。

不过,美国总统并不是单纯按照全国选民总票数决定胜负,而是通过选举人团制度(Electoral College)产生。

美国共有538张选举人票,候选人通常需要获得至少270张才能当选。除缅因州和内布拉斯加州外,其他州基本实行胜者获得该州全部选举人票的制度。

National Archives+2

2. 国会议员选举:选民决定谁来制定法律

美国国会由参议院(Senate)和众议院(House of Representatives)组成。

  • 参议员: 每个州有两名参议员,全国共100名,任期六年,每两年改选约三分之一。

  • 众议员: 全国435个有投票权的众议院席位,按照人口分配到不同选区,任期两年,全部435席每两年都要重新接受选民检验。

这意味着,选民不仅可以决定总统是谁,还可以决定哪些人进入国会,甚至决定哪个政党在参众两院占多数。

USAGov+1

3. 州和地方政府选举

美国是联邦制国家,各州拥有相当大的自治权。

因此,选民还可以投票选举:

  • 州长(Governor)

  • 州议会议员

  • 市长(Mayor)

  • 市议员(City Council Members)

  • 地方检察官、地方司法官员等(具体职位因州和地方而异)

此外,一些州和地方还允许选民直接对公投提案(Ballot Measures)投票,例如税收、公共教育、住房建设、基础设施等问题。

换句话说,选民不仅能够选择管理政府的人,有时还可以直接决定政府应该采取什么政策。

Election and voting information+1

二、选民为什么是政治人物真正的老板?

我认为,这是理解美国民主制度最重要的一点。

政治人物虽然拥有权力,但这种权力不是他们天生拥有的,而是通过法律程序和选举获得的。

可以把这种关系理解成一家公司的经营模式:

  • 选民是股东和老板。

  • 政治人物是受聘管理公共事务的工作人员。

  • 政府是为公众提供服务的机构。

  • 选举就是老板对管理人员进行考核的过程。

如果一位总统、州长、市长或者议员做得好,选民可以继续支持他,让他连任。

如果做得不好,选民也可以通过下一次选举换掉他。

特别是美国众议员每两年就要重新面对选民,这意味着他们不能长期忽视自己选区选民的意见。

当然,选民不能随时像解雇普通员工一样直接解除民选官员的职务,但可以通过定期选举、初选以及法律规定的其他监督机制追究其责任。

三、Voters Only Care About What Is Good for Me

我很喜欢这句话:

Voters only care about what is good for me, which is the essence of democracy.

翻译过来就是:

选民最关心的是,什么对自己有利。这正是民主制度的核心。

当然,这里的意思并不是说每个人都只考虑自己的个人利益,而是说,在民主制度下,政府必须认真听取普通人的需求和意见。

例如:

  • 如果你关心税收,你可以支持主张减税的候选人。

  • 如果你关心医疗,你可以支持提出相应医疗政策的候选人。

  • 如果你关心教育,你可以根据候选人的教育政策作出选择。

  • 如果你关心房价和住房,你可以关注候选人对住房供应、房地产税和住房建设的态度。

  • 如果你关心治安,你可以考察候选人对警察、公共安全和犯罪预防的政策。

每个人的生活环境、经济状况和价值观不同,对政府的要求自然也不同。

民主制度的一个重要特点,就是允许不同的人表达不同的意见,并通过选举和公共决策程序来协调这些不同的利益。

四、为什么美国每两年都有一次重要选举?

很多人以为美国只有四年一次总统选举,其实并不是这样。

美国还有一个非常重要的概念,叫作中期选举(Midterm Elections)。

总统任期四年,但众议员任期只有两年,参议员每两年也有约三分之一需要接受改选。

因此,在总统任期的中间两年,选民会再次投票,重新决定国会的组成。

这就给了选民一个重要的机会:

如果选民认为总统及其执政团队的表现不符合自己的期望,可以通过中期选举改变国会的席位分布,让不同政党之间形成新的权力平衡。

这也是美国制度中权力制衡(Checks and Balances)的一部分。

USAGov+1

五、选民应该如何行使自己的权利?

既然政治人物是选民选出来的,那么选民也应该认真对待自己的投票权。

我认为,至少应该注意以下几点:

  1. 不要只看候选人属于哪个政党,还要了解他的实际政策。

  2. 不要只听竞选口号,还要了解他过去的工作表现。

  3. 不要因为候选人说得好听就盲目支持,要看他是否兑现过去的承诺。

  4. 不要忽略地方选举,因为地方政府的决定往往直接影响我们的日常生活。

  5. 不要轻易放弃投票权,因为不投票,就等于放弃了表达自己意见的一次机会。

当然,民主制度并不保证每一次选举的结果都能让所有人满意,但它提供了一种通过和平投票表达意见、改变领导人和调整公共政策的制度化途径。

结语:政治人物是选民的打工仔!

我觉得,美国选举制度最值得理解的地方,就是政府与人民之间的权力关系。

总统再大,也是由选举程序产生的;参议员和众议员再有权力,也必须面对选民;州长和市长也不能忘记,自己的职位来自选民的授权。

政治人物不是选民的老板,而是选民聘请来管理公共事务的工作人员。

他们的职责不是让自己过得更好,而是通过履行公共职责,为人民服务。

如果他们做得好,选民可以继续聘用他们;如果他们做得不好,选民可以换人。

所以,我特别喜欢用一句幽默的话来总结美国的民主制度:

所有政治人物都是选民的打工仔,选民才是真正的老板! [呲牙]

Voters are the bosses. Politicians are public servants.

民主的意义,不仅在于人民有权选择谁来管理国家,更在于人民始终保留着通过选票改变管理者的权利。

参考资料(美国政府及官方机构):

陈钢(Gang Chen)
出版社创办人、畅销书作家(http://GreenExamEducation.com)
建筑师(Architect)、LEED AP BD+C
加州房地产经纪人(BRE# 01232392)

网址:http://GreenExamEducation.com

Tuesday, November 3, 2026

Should High-Income Earners Who Plan to Keep Working Wait Until Age 67 or Even 70 to Claim Social Security Retirement Benefits?

 Should High-Income Earners Who Plan to Keep Working Wait Until Age 67 or Even 70 to Claim Social Security Retirement Benefits?

For people with relatively high incomes who are healthy and plan to continue working until age 67 or even 70, deciding when to start collecting Social Security retirement benefits is an important financial decision that deserves careful consideration.

Many people believe that once they reach age 62, they should begin collecting Social Security benefits as soon as possible. After all, getting money earlier seems better than waiting. However, if you still have a well-paying job and intend to continue working, claiming Social Security too early may not be a wise decision. In fact, it could result in losing out on substantial retirement income.

There is an important rule that many people overlook: Social Security has an Earnings Test. If you claim retirement benefits before reaching Full Retirement Age (FRA) and continue working, your earnings may cause some or even all of your benefits to be temporarily withheld.

Therefore, for high-income earners who plan to continue working, claiming Social Security at age 62 does not necessarily mean they will actually receive the money they expect.

1. Why Might High-Income Earners Receive No Social Security Benefits Before Age 67?

According to the Social Security Administration (SSA), if you claim retirement benefits before reaching Full Retirement Age while continuing to work, your employment income is subject to an annual earnings limit.

For 2026, the rules are as follows:

  • If you will not reach Full Retirement Age during 2026, Social Security will withhold $1 in benefits for every $2 you earn above the annual limit of $24,480.
  • If you reach Full Retirement Age during 2026, the earnings limit increases to $65,160 for the months before you reach FRA. Social Security will withhold $1 in benefits for every $3 you earn above that limit.

This means that if someone earns $100,000, $150,000, or even $200,000 annually, their Social Security retirement benefits could potentially be withheld in full before they reach Full Retirement Age.

In other words, even though you have applied for Social Security benefits, your employment income may be high enough that you receive no actual benefit payments during that period.

It is important to understand, however, that withheld benefits are not necessarily lost permanently. Once you reach Full Retirement Age, the Social Security Administration recalculates your benefits and adjusts your monthly payment to account for the months in which benefits were withheld.

2. Everything Changes After Age 67

For people born in 1960 or later, Full Retirement Age is 67.

Beginning with the month you reach Full Retirement Age, there is no longer an earnings limit that reduces your Social Security retirement benefits.

This means that even if you continue working after age 67 and earn $50,000, $100,000, $200,000, or more annually, your employment income will not reduce your Social Security retirement benefits.

In other words, after age 67, you can receive two sources of income at the same time:

  1. Your regular employment income.
  2. Your monthly Social Security retirement benefits.

This is an important advantage for people who earn relatively high incomes and plan to continue working.

3. Waiting Until Age 70 Can Significantly Increase Your Monthly Benefits

Another important factor that many people overlook is that delaying Social Security benefits increases the amount you receive each month.

For people born in 1960 or later:

  • Claim at age 62: Approximately 70% of your Full Retirement Age benefit.
  • Claim at age 67: 100% of your Full Retirement Age benefit.
  • Claim at age 70: 124% of your Full Retirement Age benefit.

For example, if your monthly benefit at age 67 would be $3,000, your estimated monthly benefits would be:

Claiming Age

Monthly Benefit

62

$2,100

67

$3,000

70

$3,720

These figures are illustrative calculations based on a $3,000 monthly benefit at Full Retirement Age. They do not account for future Cost-of-Living Adjustments (COLAs) or other factors.

As you can see, if you are healthy, earn a good income, and do not need Social Security benefits to cover your daily living expenses, delaying benefits may be worth considering.

However, there is one important point: Social Security retirement benefits do not increase further through delayed retirement credits after age 70.

4. Continuing to Work May Also Increase Your Future Social Security Benefits

Social Security generally calculates retirement benefits using your highest 35 years of earnings.

If you continue earning a relatively high salary in your 60s, those newer, higher-income years may replace some of the lower-income years in your previous earnings record.

As a result, your future Social Security retirement benefits may increase.

Therefore, even if you are already 62, 65, or 67, continuing to work at a salary higher than some of your previous earnings could potentially increase your eventual monthly retirement benefit.

This is another reason why high-income earners who plan to keep working should consider not only when to claim Social Security, but also how their continued employment may affect their future benefits.

5. My Recommendation: High-Income Earners Who Plan to Keep Working Should Not Rush to Claim Social Security

For people with relatively high incomes who are healthy and intend to continue working until age 67 or even 70, I believe delaying Social Security retirement benefits deserves serious consideration.

There are several reasons:

First, if you earn more than the government’s annual earnings limit before age 67, some or even all of your Social Security benefits may be withheld. Applying early does not necessarily mean you will actually receive the money.

Second, after age 67, you can continue working and earn as much as you want without having your Social Security retirement benefits reduced because of your employment income.

Third, if you wait until age 70 to claim benefits, your monthly payment can reach 124% of the amount you would receive at age 67. That is a 24% increase compared with claiming at Full Retirement Age.

Fourth, continuing to work may allow higher-income years to replace lower-income years in your 35-year earnings record, potentially increasing your future retirement benefits.

Of course, everyone’s circumstances are different. If you have health concerns, need Social Security income to cover living expenses, or have other family or financial considerations, claiming benefits earlier may still be a reasonable choice.

There is also one particularly important reminder: Even if you decide to wait until age 67 or 70 to claim Social Security retirement benefits, do not forget to enroll in Medicare at age 65.

Delaying Social Security benefits does not mean you can ignore Medicare enrollment requirements at age 65.

Conclusion

Many people start thinking about claiming Social Security as soon as they turn 62 because they believe receiving money as early as possible is always the better choice.

However, for people with relatively high incomes who do not plan to retire immediately, this approach may not be the best financial decision.

If you continue working after age 62 and earn $100,000 or even $200,000 annually, your Social Security benefits may be completely withheld because of the earnings limit. At the same time, you may miss out on the opportunity to receive significantly higher monthly benefits by delaying your claim.

Therefore, the age at which you retire does not have to be the same as the age at which you begin collecting Social Security. Likewise, stopping work does not mean you must immediately apply for retirement benefits.

For high-income earners who are healthy and want to continue working, carefully evaluating the advantages of waiting until age 67 or even 70 to claim Social Security may be a much better approach to long-term retirement financial planning than rushing to apply at age 62.


References: Social Security Administration (SSA)

  • Working While Receiving Social Security Benefits
  • Receiving Benefits While Working
  • Delayed Retirement Benefits for People Born in 1960 or Later
  • Delayed Retirement Credits

Note: This article is based on Social Security Administration rules for 2026 and primarily discusses Social Security retirement benefits for ordinary retired workers. Special benefit situations may be subject to different rules.


Gang Chen, Publisher/Bestselling Author (GreenExamEducation.com)

Architect, LEED AP BD+C, Real Estate Broker (BRE# 01232392)

高收入者如果打算一直工作,是否应该等到67岁以后才开始领取美国社会安全退休金?

 高收入者如果打算一直工作,是否应该等到67岁以后才开始领取美国社会安全退休金?

对于收入较高、身体健康,而且打算一直工作到67岁甚至70岁以后的人来说,什么时候开始领取美国社会安全退休金(Social Security Retirement Benefits),是一个值得认真考虑的问题。

很多人认为,既然自己已经到了62岁,就可以马上开始领取退休金。早点拿钱,似乎总比晚拿好。但是,如果你仍然有一份收入不错的工作,而且打算继续工作,那么过早领取退休金,未必是一个明智的决定,甚至可能让你损失不少钱。

这里有一个非常重要的概念:美国社会安全退休金有一个收入限制(Earnings Test),在达到完全退休年龄(Full Retirement Age,简称FRA)之前,如果工资收入超过规定标准,部分甚至全部当年的退休金可能会被暂时扣留。

因此,对于高收入、打算继续工作的群体来说,62岁开始领取退休金,未必能够真正拿到自己想象中的钱。


一、为什么高收入者提前领取退休金,可能一分钱也拿不到?

根据美国社会安全局(Social Security Administration)的规定,如果你在完全退休年龄之前开始领取退休金,同时继续工作,那么你的工资收入会受到年度收入限制。

以2026年的规定为例:

如果你全年都没有达到完全退休年龄,工资收入超过 $24,480 的部分,每超过$2,社会安全局就会扣留$1的退休金。

如果你在2026年达到完全退休年龄,那么在达到该年龄之前的工资收入限制是$65,160,超过部分每$3扣留$1退休金。

这意味着,如果一个人年收入达到$100,000、$150,000,甚至$200,000,那么在67岁之前申请退休金,很可能当年的退休金会被全部扣留。

换句话说,你虽然已经申请了退休金,但因为工资收入太高,实际上可能拿不到任何退休金。

当然,这里需要特别说明:被扣留的退休金并不是永久消失。达到完全退休年龄以后,社会安全局会重新计算退休金,考虑之前因收入限制而被扣留的月份,调整今后的每月领取金额。


二、67岁以后,情况就完全不同了

对于1960年及以后出生的人,完全退休年龄是67岁。

从达到完全退休年龄的月份开始,无论你每年工资收入是$50,000、$100,000、$200,000,还是更高,都不会因为工作收入而被扣留社会安全退休金。

也就是说,如果你67岁以后仍然继续工作,你可以同时获得两份收入:

继续工作的工资收入。

每月领取的社会安全退休金。

这对高收入者来说,是一个非常重要的优势。


三、如果等到70岁领取,每月退休金还会更高

还有一个经常被忽略的重要因素,就是延迟领取退休金可以增加每月领取金额。

对于1960年及以后出生的人:

62岁开始领取:大约是67岁完全退休金的70%。

67岁开始领取:可以领取100%的完全退休金。

70岁开始领取:可以领取124%的完全退休金。

也就是说,如果你原本67岁时每月可以领取$3,000,那么:

以上是示范计算,假设完全退休年龄时的月退休金为$3,000,不考虑未来生活成本调整(COLA)及其他因素。

从这个角度来看,如果一个人身体健康、收入不错,而且不需要依靠社会安全退休金支付日常生活费用,那么推迟领取退休金,可能是一个值得考虑的选择。

不过,70岁以后继续推迟领取,退休金就不会再因为延迟而增加。


四、继续工作还有一个额外好处:提高未来退休金

美国社会安全退休金的计算,主要根据一个人职业生涯中收入最高的35年来计算。

如果你在60多岁时仍然保持较高的工资收入,那么这些新的高收入年份,有可能取代以前收入较低的年份,从而提高你未来的退休金。

因此,即使已经到了62岁、65岁,甚至67岁,只要继续工作,而且收入超过以前某些年份,你的未来退休金仍然有可能增加。

这也是为什么对于高收入、仍然愿意继续工作的人来说,不应该只考虑什么时候开始领取退休金,还应该考虑继续工作的收入对未来退休金的影响。


五、我的建议:高收入、打算继续工作的人,不要急着领取退休金

对于那些年收入比较高、身体健康,而且打算一直工作到67岁甚至70岁的人,我认为应该认真考虑延迟领取社会安全退休金。


原因主要有以下几点:

第一,67岁以前,如果工资收入超过政府规定的限制,退休金可能被全部或部分扣留,提前申请不一定能够真正拿到钱。

第二,67岁以后,即使继续工作,工资收入再高,也不会影响退休金的领取。

第三,如果等到70岁才开始领取,每月退休金可以达到67岁时金额的124%,比67岁开始领取高出24%。

第四,继续工作可能让你的高收入年份取代过去较低的收入年份,从而进一步提高退休金。

当然,每个人的情况不同。如果一个人身体状况不好、需要退休金支付生活费用,或者有其他特殊的家庭和财务考虑,提前领取也可能是合理的选择。


另外,还有一个特别重要的提醒:即使你决定等到67岁或70岁才领取社会安全退休金,也不要忘记65岁时办理Medicare医疗保险。 延迟领取社会安全退休金,并不代表可以忽略65岁的Medicare登记规定。


结语

很多人一到62岁,就开始考虑申请社会安全退休金,觉得越早拿到钱越好。


但是,对于收入比较高、并不打算马上退休的人来说,这种想法未必正确。


如果你62岁以后仍然有一份年收入$100,000甚至$200,000的工作,那么提前领取退休金,可能因为收入限制而拿不到实际的退休金;与此同时,你还可能失去延迟领取所带来的更高月退休金。


因此,退休年龄不等于开始领取退休金的年龄,停止工作也不等于必须马上申请退休金。


对于高收入、身体健康、希望继续工作的人来说,认真研究67岁甚至70岁以后才开始领取退休金的好处,可能比急着在62岁申请,更有利于自己的长期退休财务规划。

参考资料:美国社会安全局(Social Security Administration)

注:本文以2026年美国社会安全局公布的规定为依据,主要讨论美国普通退休工作者的社会安全退休金,不适用于所有特殊福利情形。


陈钢(Gang Chen)
出版社创办人、畅销书作家(http://GreenExamEducation.com)
建筑师(Architect)、LEED AP BD+C
加州房地产经纪人(BRE# 01232392)

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