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John and Mary are an elderly couple living in Bloomington, Indiana.

They have been married for over 50 years and have lived in the same house for most of their lives.

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John is a mechanic, and Mary is a nurse at the local hospital.

Despite their modest income, they have saved significant money every month.

They attribute this to the effective management of their social security benefits.

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They carefully budget and plan their expenses, taking advantage of every opportunity to save money.

They shop for groceries at discount stores, grow vegetables in their backyard, and repair items rather than buy new ones.

They avoid unnecessary expenses like eating out or taking expensive vacations.

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They have accumulated a sizable nest egg and can enjoy retirement without financial stress.

They share their budgeting tips with friends and neighbors and even give presentations at the local community center.

They stress the importance of careful planning and saving for unexpected expenses.

They have learned to maximize their social security benefits by understanding the rules and regulations of the system.

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They know that the longer they wait to receive their benefits, the higher their monthly check  will be.

They take advantage of the annual cost-of-living adjustment (COLA) added to their benefits.

They are aware of the earnings limits for those who are still working while receiving benefits.

Careful budgeting, effective social security benefits management, and saving can lead to a secure retirement.

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