The Social Security Pathway

 Making the decision to turn on your social security is a big thing.  It's all about crunching numbers and figuring out where you are now and what you'll need in the future. 

The future? How can I know what to expect 5 or 10 or 20 years from now? Do I look like a psychic? 

So, if my full retirement age is 65 + 6 months I get a certain amount. You can go to the Social Security website and enter your info and they'll let you know what you could get now and that higher amount you could get if you wait.  

One of the issues I kind of struggle with is that yes, you'll get more money later each month if you wait.  If you take it now your check is less but the total amount will be a bigger total amount? 

I've been trying to crunch the numbers and I'm not really a math wiz. 

If your starting number now is like 1000 a month. Age 64.

Waiting until age 65 and your number is 1200 a month. 

12 months of $1000 = $12,000? 

So at what point when collecting the full amount of $1200 how many months would it take to make up the $12,000? 

Since the difference is $200. Would it be 60 months? Is that 5 years to break even? 

I guess it comes down to if that $200 will really be a deal breaker in the future? Now we come back to - are we psychic?  Where will we be in 5 years? In one year? 

Have you made this decision? Which way did you decide to go? 

Gray Hair there???

 Okay, most people in their 60's have gray hair. For most, it starts a lot earlier. Hey! It's normal and beautiful. 

I remember my mom's snow white hair, so soft and beautiful.  It's the kind of gray I'd like someday. 

Right now, believe it or not, I don't have a lot of gray. I'm a natural blond so even those glinting grays that do appear, look like highlights. Why not so much gray? I have no idea. It's not a family thing, I don't think, but I do take a lot of vitamins. I have Pernicious Anemia, a B12 deficiency, so I take B12 in shots. Is this why I'm not so gray? 

I had a friend who needed a kidney transplant. After the transplant his gray hair slowly disappeared. Was his body suddenly processing nutrients better? 

Anyway, gray hair can pop up anywhere on our bodies. Down below? Who cares! But the eyebrows? Really? And not the whole eyebrow, just a few random bright white hairs. 

At first I'd pluck those one or two gray eyebrows and be happy. Lately more and more seem to be appearing so now.... what to do?  Plucking a random hair.... so what, no one notices.  Plucking four or 5 from the same brow? 

EEEEEeeeeeeeeekkkk! 

What to do, what to do.... I'm not really a make up kind of person so whatever there is to use on eyebrows is not in my frame of reference. Eyebrow pencils? Will they really color those bright white hairs blond again? Or will I look like a clown with sketched on brows?

Time to call in reinforcements. Time for a YouTube video! 

So how's your brows? How to do control them? Go freestyle? Tame them? Paint them?