Retiring in 2028? Start by crunching your real expenses—don’t forget healthcare and inflation. Then, map out your Social Security strategy: claim early for smaller checks or wait until 70 for a bigger payout. Factor in your retirement accounts using the 4% rule, and plug it all together to see if you’re on track. If not, save more—or push back your retirement date. And don’t overlook hidden ways to boost your Social Security—you might be leaving thousands on the table.
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