I'm 58 and have been self-employed for 27 years. Having no "financial planning" and no savings, I found out last year that my social security income would be a whopping $412/mo....who knew that after paying 10's of thousands of dollars into FICA that I would only receive a meager amount? Now, I am trying desperately to find a "real" job that would match IRA funds, pay my FICA, and allow me to build up my SS to the mean "average" of $842/mo. If I don't draw on my SS until the age of 70, may I work without penalty? Has anyone been in this boat?
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