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Social Security Optimization – Issues and Potential Errors – Pralana Retirement Calculator Forum
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Social Security Optimization

 
Issues and Potential Errors
Last Post by Mike Davidson 4 years ago
5 Posts
4 Users
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 Mike Davidson
(@craigersvt)
New Member Customer
Joined: 4 years ago
Posts: 2
Topic starter January 15, 2023 2:37 pm  

Hi,

I'm not sure I understand how to interpret the results of the social security optimization graphic. After running the optimization the entire table is dark green (see attached pic). Does this mean taking social at 62 is optimum? This is different than the result I get using open social security. Any insight you can provide would be great.

Thanks


   
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Topic Tags
social security optimization
 Stuart Matthews
(@smatthews51)
Member Admin
Joined: 6 years ago
Posts: 618
January 15, 2023 4:47 pm  

Mike,

No, it definitely doesn't mean that 62 is optimum. The only thing I can think of that would cause the entire table to be dark green is if your SS benefits have already started. In this case, optimization is academic and PRC2022 doesn't show any useful result. If this isn't your case, you can send me an export file (to mail@pralanaconsulting.com) and I'll be happy to investigate.

Stuart


   
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 Bill Hines, Advice-Only Flat-F...
(@hines202)
Reputable Member Customer
Joined: 6 years ago
Posts: 321
January 16, 2023 6:59 am  

I always use the Open SS calculator to really dial this in for clients. Make sure to check the little box at the top of the page to do a precise calculation.

Open Social Security: Free, Open-Source Social Security Calculator

That said, if you're already collecting, there are ways to 'undo' it, some less obvious than others.


   
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 Motogopher
(@motogopher)
Trusted Member Customer
Joined: 6 years ago
Posts: 29
January 20, 2023 11:39 am  

I've had the same issue and it started back in the 2022 version. It also did it with the preloaded data that comes with the downloaded version. I had to try that to see if it was something I did. I just tried the preloaded data and my data in the 2023 version and the issue seems to have gone away. Mike, does it now work for you also?


   
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 Mike Davidson
(@craigersvt)
New Member Customer
Joined: 4 years ago
Posts: 2
Topic starter January 20, 2023 12:40 pm  

@motogopher yes the 2023 version works for me. Thanks


   
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