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Christy Bieber

TMFChristyB

Christy Bieber is a contributing Motley Fool retirement and Social Security expert covering retirement planning, 401(k)s, IRAs, and other personal finance topics. Christy has written about finance since 2008 and previously taught business courses at Bryant & Stratton College. She holds a law degree from UCLA and a bachelor’s degree in English, media, and communication with a certificate in business management from the University of Rochester. In law school, she earned three CALI Awards for Excellence for the highest scores in civil procedure and contract law exams.

Articles by Christy Bieber — Page 22

retiree reviewing finances

Feb 21, 2024 by Christy Bieber

High Earners Average $17,521 More in Social Security Than Low Earners, But Lower Earners Get More of Their Money Back. Here's Why

While high earners have a larger benefit on paper, they're actually getting less of their money back from Social Security for a few simple reasons.

Couple looking at computer together

Feb 20, 2024 by Christy Bieber

3 Ways Changes to Social Security's Full Retirement Age Hurts Future Retirees

With full retirement age moving later, retirees will have to wait longer to claim benefits -- along with a few other big downsides.

retiree reviewing finances

Feb 20, 2024 by Christy Bieber

Turning 66 This Year? Did You Know You Got a Social Security Benefits Cut?

If you turn 66 this year, your full retirement age is now later, so you'll either have to take a cut to benefits or pass up a few extra months of income.

Reviewing finances

Feb 20, 2024 by Christy Bieber

3 Social Security Changes in 2024 You Need to Know About and May Not Have Noticed Yet

Both current and future retirees could be affected by Social Security changes happening this year -- and you may have missed these important ones.

retired couple

Feb 19, 2024 by Christy Bieber

Think Twice Before You Make This Social Security Move if You Care About Your Spouse

You could leave your spouse in a tough position if you end up shrinking their Social Security survivor benefits with your early benefits claim.

Adults looking at financial paperwork.

Feb 19, 2024 by Christy Bieber

The Best Reason to Take Social Security Long Before Age 70

Taking Social Security long before 70 could be important to preserve your savings -- you don't want to drain your account dry.

Reviewing financial paperwork

Feb 19, 2024 by Christy Bieber

4 Social Security Facts to Know Now, Even If Retirement Is Years Away

There are things you need to know while you're working that will impact your future retirement benefits, so check them out now.

retired couple looking at financial paperwork

Feb 18, 2024 by Christy Bieber

Social Security Replaces Less of Your Income Now Than It Did Before. Here's Why.

A change to the full retirement age has meant that many people make up less of their earnings with Social Security now.

using a calculator

Feb 18, 2024 by Christy Bieber

This Social Security Rule Isn't Changing Again in 2024 -- Even Though Retirees Would Be Better Off If It Did

The rules for when you're taxed on benefits aren't indexed to inflation -- and that's turning into a growing problem for retirees.

reviewing financial documents

Feb 18, 2024 by Christy Bieber

3 Social Security Facts Every Early Retiree Needs to Know

If you're thinking of leaving the workforce early, it's important to consider what could happen to Social Security if you claim benefits ahead of schedule.

Couple Looking at financial papers.

Feb 18, 2024 by Christy Bieber

Divorced? Here's How to Tell If You Qualify for Spousal Social Security Benefits

The end of your marriage doesn't necessarily mean you have to give up Social Security spousal benefits.

Adult looking at laptop unhappily.

Feb 18, 2024 by Christy Bieber

Want the Max $4,873 Social Security Monthly Benefit? 3 Things to Do Before Retirement.

Before retirement, you'll need to do a few things if you're hoping for the maximum Social Security benefit -- including making sure you have 35 years of maximum taxable earnings.

Taking a selfie on vacation

Jan 22, 2024 by Christy Bieber

3 Mistakes New Retirees Can't Afford to Make in 2024

You can't afford to live without a budget as a new retiree, and this is just one of several major mistakes to avoid.

Reviewing finances

Jan 22, 2024 by Christy Bieber

Here's How Much the Average Social Security Benefit Is Going Up in 2024

The average Social Security benefit is increasing due to the 2024 COLA -- but just how much higher is it going to be? Find out here.

Couple with financial advisor

Jan 21, 2024 by Christy Bieber

Turning 66 in 2024 and Planning to Claim Social Security? Why You May Want to Wait.

You will need to wait well beyond January to get your full retirement benefit if you're turning 66 this year thanks to a change in the full retirement age.

Adult looking at laptop unhappily.

Jan 21, 2024 by Christy Bieber

You Can Contribute More to Your 401(k) in 2024. Here's Why You May Not Want To.

A 401(k) can come with limited investment choices and high fees, so maxing out your contribution isn't always the way to go.

Person using calculator and reviewing documents

Jan 20, 2024 by Christy Bieber

Make These 4 Moves in 2024 to End Up a Millionaire by 2054

If you want to be a millionaire in 30 years, you'll need to invest regularly and buy the right assets.

Working and typing

Jan 20, 2024 by Christy Bieber

The No. 1 Reason to Claim Social Security at Age 62

Claiming Social Security at 62 could be the ticket to retiring and enjoying life.

Reviewing financial paperwork

Jan 19, 2024 by Christy Bieber

Maxing Out Your Retirement Accounts in 2024? Here's How Much You Could End Up With.

401(k) and IRA contribution limits have gone up, so how big could your retirement account balance grow if you max out these accounts?

retired couple

Jan 19, 2024 by Christy Bieber

How Much More Social Security Do the Richest Retirees Get Compared to the Average American?

The richest retirees get more Social Security than the average American but not as much as you'd think -- and their benefits may actually replace a smaller percentage of their income.

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