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Social Security Claiming

talessi@ariesfoundation.org

Step-by-Step to get your My Social Security Account

How do I get a My Social Security Account?
It's very important in the world of senior benefits to have access directly online to what your benefits are going to be in the future, even if you've not yet applied, and to be able to do things like change your direct deposit information, request a new social security card, or sign up for Medicare Part B. All of these things can be done on your My Social Security Account.

We’re going to walk through step by step how to sign up for your social security account online and it may seem a little tricky and a little intimidating, since the Social Security will pull up details form your credit report to ask you about – it’s all in the name of protecting your identity, but still it does a little scary when they ask you “what color was your 2002 Toyota Camry (or something similar). Where it sometimes gets confusing is you may be like “I never had a 2002 Camry” well there is an answer (none of the above) and you can move on. All the system is trying to is validate that you are who you say you are, so that in the future they will know that it’s you signing onto your My Social Security Account.

 Obviously, the reason for this is that the worst thing that could ever have happen was for someone to be able to access your My Social Security Account and make changes without you knowing. That is why it is important to not only go through the process yourself and validate your account, but to also add the extra layer of security as well (more on that later).

Even if you have not begun to access your Social Security yet, you can still use the website to get estimates of your future benefits and verify the accuracy of your earnings. Note - verifying your earnings is very important because Social Security bases your future benefits on your lifetime earnings. Sometimes it is necessary to request a replacement Social Security card which you can do through the site without having to visit a local Social Security office. Once you start receiving benefits you can easily use your account to manage and get instant proof of your benefits:
• you can change your address and phone number 
• start or change your direct deposit information
• request a replacement Medicare card
• get a copy of your SSA 1099 for tax purposes 

To create an account you must; be at least 18 years, of age have a Social Security number, a valid US mailing address, and an email address. In 2017 Social Security implemented an additional step to sign into your account- a one-time security code to your cell phone or email address to complete your sign-in. Note: if you don't have an email account you'll need one before you create your my social security account.

To get started you visit the My Account at Social Security website (https://www.ssa.gov/myaccount/), then select sign in or create an account. You should the Terms of Service page next and after reading this information select the box that says “I agree” to the Terms of Service and select next to continue.

The next page is where you enter your first name, middle initial, and last name as shown on your social security card. Then just follow along with your social security number, date of birth, home address and phone number. Important - add an extra level of security to your account by selecting the option “yes”, which prompts you to choose an extra security verification option. Select next to proceed to secure your identity. Again, you will be asked several personal questions to which only you should know the answer (see previous details) Once you have answered the questions you move on to creating a username and password and provide your email address.

To create your username it must consist of 8 to 20 letters and/or numbers and it cannot contain your social security number or your full name. The password must be a minimum of 8 characters and contain at least one uppercase letter one lower case letter one number one symbol and must begin with either a letter or a number. You will then be given an opportunity to select password reset questions to help you, if you forget your username, or password in the future. The last step in this process is to choose how you want to receive the one-time security code. It will be sent each time you sign in, so you must provide a cell phone number that can receive text messages, or use the email address you registered to receive the security code. Hit the “next” button and the code will be sent to you (either text or email whichever method you choose) You have 10 minutes from the time you hit “next” to enter the security code in the box on the screen that says enter the security code “here”.

Once you've completed all of these steps you'll receive a message that says congratulations you successfully created an account. A reminder – every time that you try to sign in you will use two steps to access your account. You must enter your username and password and then you must enter the security code that Social Security will send to you…It is a New Code Every Time! 

Got Questions? Ask Us. We Can Help With That! 
The ARIES Foundation for Financial Education, Inc is nonprofit dedicated to helping everyone have a better relationship with their money. Visit www.ariesfoundation.org or email us info@ariesfoundation.org.

By Thomas Alessi January 5, 2025
Have you ever noticed how New Year's resolutions seem to lose their sparkle by the second or third week of January? If so, you’re not alone. Statistics show that most people abandon their resolutions within a few weeks of setting them. But why does this happen? The reasons often lie in how we approach our goals and the mindset we carry into the new year. One of the biggest culprits is setting unrealistic goals. Many of us feel a surge of motivation on January 1st and decide to aim for major life changes all at once—like losing 30 pounds in a month or working out every single day without fail. While ambition is admirable, these types of goals are often unattainable in such a short period, leading to frustration and eventual burnout. Another common issue is the lack of a clear plan. Resolutions often start as vague statements like “I want to get fit” or “I’ll save money this year.” Without actionable steps or measurable milestones, it’s easy to lose track of progress or get overwhelmed by the enormity of the goal. Without structure, even the best intentions can falter. Motivation fades quickly after the excitement of the new year dies down. Motivation is often fueled by novelty, but real change requires discipline and consistency—two traits that are harder to maintain over time. By mid-January, the initial enthusiasm often gives way to old habits, especially if we don’t have systems in place to reinforce new ones. Social and environmental pressures also play a role. Life gets busy, and as the demands of work, school, or family creep back in after the holiday lull, resolutions take a backseat. Pair this with temptations like junk food or the comfort of skipping the gym, and it’s no surprise that many people give up. Finally, many people don’t account for setbacks. Whether it’s missing a workout, overspending on a shopping trip, or indulging in an unhealthy meal, one slip-up can feel like a failure. This "all-or-nothing" mindset often leads to abandoning the resolution entirely instead of adjusting the plan. ________________________________________ Strategies to Overcome Quitters Day Breaking the cycle of quitting isn’t just possible—it’s entirely within your reach with the right mindset and strategies. Let’s dive into how you can overcome the challenges of Quitters Day and stick to your resolutions long-term. 1. Set Realistic and Measurable Goals The key to success lies in creating goals that are specific, measurable, achievable, relevant, and time-bound (SMART). For example, instead of saying, “I’ll get fit this year,” try “I’ll exercise for 30 minutes three times a week.” By breaking big aspirations into smaller, manageable steps, you’re less likely to feel overwhelmed and more likely to stay on track. 2. Build Consistent Habits, Not Just Motivation Motivation is fleeting, but habits are sustainable. Focus on creating daily or weekly routines that make progress automatic. For instance, if you want to eat healthier, prep your meals in advance or stock your kitchen with nutritious options. Building habits takes time, but once established, they become second nature. 3. Accountability and Support Systems Having someone to hold you accountable can make all the difference. Share your goals with a trusted friend, family member, or even a coach. Better yet, join a community or group with similar objectives. Knowing that someone is rooting for you—or counting on you—can keep you motivated during tough moments. 4. Reframe Setbacks as Learning Opportunities Setbacks are inevitable, but they don’t have to derail your progress. Instead of viewing a missed workout or a bad day as failure, see it as a chance to learn. What triggered the setback? How can you adjust your approach to prevent it in the future? Remember, growth isn’t linear—it’s a journey filled with ups and downs. 5. Celebrate Small Wins Big goals take time, so it’s important to recognize and celebrate progress along the way. Did you stick to your exercise routine for two weeks? Treat yourself to something meaningful, like new workout gear. Celebrating small milestones helps reinforce positive behavior and keeps you motivated for the long haul. 6. Focus on the Process, Not Just the Outcome Instead of fixating on the end goal, shift your mindset to enjoy the journey. For example, if your goal is to write a book, celebrate the act of writing every day rather than stressing about completing the manuscript. When you focus on the process, progress feels more achievable, and the outcome will naturally follow. 7. Leverage Technology and Tools Apps and tools can help you stay organized and motivated. Habit trackers, fitness apps, and budgeting tools make it easier to monitor progress and stay accountable. Life happens, and sometimes your resolutions need to evolve. Check in with yourself weekly or monthly to assess progress. Are your goals still realistic? Do you need to adjust your timeline or strategy? Being flexible ensures that your resolutions remain relevant and achievable. ________________________________________ With these strategies, you can break free from the Quitters Day trap and turn your resolutions into lasting change. The key is to approach your goals with patience, self-compassion, and a focus on progress rather than perfection. Change doesn’t happen overnight, but with consistent effort, you’ll be surprised at what you can accomplish.
By Thomas Alessi December 9, 2024
Budgeting and dieting are two of the most common self-improvement goals people set for themselves. Both aim to bring about positive changes—whether it's financial stability or better health. However, many find that sticking to a budget is just as challenging as sticking to a diet. Here’s why: 1. Restrictive Nature Both budgeting and dieting often start with a restrictive mindset. Just as a diet might cut out all your favorite foods, a budget might eliminate all your discretionary spending. This restriction can lead to feelings of deprivation, making it harder to stick to the plan. Over time, the temptation to "cheat" becomes stronger, whether it's indulging in a dessert or splurging on an unplanned purchase. 2. Unrealistic Expectations Many people set themselves up for failure by setting unrealistic goals. In dieting, this might mean expecting to lose a significant amount of weight in a short period. In budgeting, it could mean expecting to save a large portion of income without considering necessary expenses. When these high expectations aren't met, it can lead to discouragement and abandonment of the plan altogether. 3. Lack of Flexibility Life is unpredictable, and both diets and budgets need to be flexible to accommodate unexpected changes. A rigid diet plan doesn't account for social events or cravings, just as a strict budget doesn't account for emergencies or spontaneous opportunities. Flexibility is key to maintaining long-term success in both areas. 4. Emotional Factors Emotions play a significant role in both eating and spending habits. Stress, boredom, and happiness can all trigger overeating or overspending. Without addressing the underlying emotional triggers, it's challenging to maintain a diet or budget. Emotional awareness and coping strategies are essential for long-term success. 5. Short-Term vs. Long-Term Mindset Both dieting and budgeting often focus on short-term results rather than long-term sustainability. Crash diets and extreme budgeting can lead to quick results, but they are rarely sustainable. A more balanced approach that focuses on gradual, consistent changes is more likely to lead to lasting success. 6. Lack of Support Having a support system can make a significant difference in achieving goals. Just as people might join a weight loss group or hire a personal trainer, having a financial advisor or joining a budgeting community can provide the encouragement and accountability needed to stay on track. Making It Work To make both budgeting and dieting work, consider the following tips: • Set Realistic Goals: Aim for gradual progress rather than drastic changes. • Allow Flexibility: Build in some room for treats and unexpected expenses. • Address Emotional Triggers: Be mindful of how emotions affect your habits and develop healthy coping mechanisms. • Seek Support: Surround yourself with people who encourage and support your goals. • Focus on Long-Term Changes: Develop habits that you can maintain for life, rather than quick fixes. By understanding the similarities between budgeting and dieting, you can approach both with a more balanced and sustainable mindset. Remember, it's about progress, not perfection. Watch our Think With A Drink episode for ways to be better at handling your expenses: The Dreaded B Word
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