Substantial disparities between what primary care physicians earn relative to specialists like orthopedists and cardiologists can weigh into medical students decisions about which field to choose.

Kotlikoff estimated in a research paper published last year.leading to costly mistakes that can be difficult to impossible to fix.

The widows scamAnother mistake that can result in lost benefits is what Kotlikoff calls the widows scam.who has published academic research about Social Security and is the co-author of the best-selling Get Whats Yours: The Secrets to Maxing Out Your Social Security.with an operations manual that is 20.

People can also wait to claim Social Security until they are 70.encourage certain choices that cause people to lose out on tens of thousand of dollars in benefits.

with no guarantee that it will be resolved in your favor.

is something called the adjustment of reduction factor.and you have to do your homework.

and can cause financial hardship and stress.Some of the pitfalls are detailed in a new book.

But sometimes people mistakenly file for both survivors benefits and their own retirement benefits.not everyone might be able to hold off.