I will occasionally get questions, almost always from women who spent much of their adult life as homemakers and are now approaching their senior years, who tell me that they plan to get a job to start building up their own Social Security. My usual message to them is that it’s probably not worth it. I’ve saved up some questions about this topic and will answer them today.
Q: I am 60 years old. My husband is 65 and plans to start his Social Security when he is 67. I worked a few years after I got out of school. But after we got married, I stayed home for the next 35 years raising our kids and maintaining our household. I have 28 Social Security credits and know I need 40 to qualify for benefits. I am planning to get a job to earn the 12 extra credits I need. Is this a good idea?…