If you're scaling back on work because you're nearing retirement, hold off on drawing Social Security or pension benefits for as long as possible, Mr. Altfest advises.

阿尔特范斯特建议，假如你是因为我自己年届退休所以要主动降职，那么要尽量推迟提取社保金或养老金的时间。

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More than half of Americans claim Social Security retirement benefits at age 62, the earliest allowed.

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Married heterosexual couples can maximize their Social Security retirement benefits by taking advantage of the highest-earner's benefit.

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There is a minimum age at which you become eligible for Social Security retirement benefits, and this is the same for all people, 62.

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