How Is My Social Security Benefit Calculated?

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14d ago 25:52

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In this episode of The Market Moment, Matt, Isaac, and John dive into one of the most frequently asked questions by retirees and near-retirees: How is Social Security calculated? They break down the AIME (Average Indexed Monthly Earnings), PIA (Primary Insurance Amount), and the role of inflation-adjusted earnings in determining your Social Security benefits.

Whether you're deciding when to claim Social Security or how working longer could affect your retirement income, this discussion provides clarity on a confusing topic — and directs listeners to helpful tools like SSA.gov.

💡 Key Topics Covered:

-How Social Security benefits are calculated (AIME & PIA explained)

-The impact of working additional years on your Social Security benefit

-Common myths and mistakes around claiming strategies

-Personalizing your Social Security plan based on life expectancy and income

After the Social Security deep dive, the hosts shift gears to discuss the current state of the market. From comparisons to the dot-com bubble to current P/E ratios and the booming AI sector, they provide valuable historical context for today’s investors.

📊 Market Commentary Includes:

-The rise of AI and its impact on valuations

-Current trends in earnings reports and P/E ratios

-The mystery behind gold hitting all-time highs -Insights on Bitcoin leverage and risk

What recent economic indicators (like ISM data) mean in today’s climate Despite market highs, the hosts highlight the importance of staying diversified, keeping a long-term perspective, and consulting a financial professional before making decisions.

With humor, insight, and a touch of healthy skepticism, The Market Moment helps listeners make sense of an increasingly complex investing landscape.

Helpful links: https://www.ssa.gov/ https://www.ssa.gov/oact/cola/Benefits.html

🔔 Like, subscribe, and leave your questions or comments below. The team regularly addresses listener questions in future episodes. Our email: [email protected]

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⚠️ Disclosures: The Market Moment podcast is hosted by employees of Mach 1 Financial Group, LLC, a Registered Investment Advisor located in Rogers, Arkansas. A copy of Mach 1’s current written disclosure brochure is available via the SEC website or at https://disclosures.mach1fg.com. Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

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