Focusing on what you do have, rather than what you don't have, can lead to a more positive outlook on retirement and Social Security. Understanding the Social Security earnings test and how it affects your benefits is crucial in making informed decisions about when to take your Social Security. Annuities and IRA 401k plans can also play a significant role in retirement planning, and seeking professional advice from a certified financial planner can help you make the most of your resources. [... more]