If you’ve reached the age where you can collect Social Security and keep working without any reduction in your benefits, at some point you’re going to wonder: When is it safe to retire? Before you let go of that paycheck, do a trial run.

Try to live for a period of time (at least six months) on just an amount that would equal your Social Security income should you retire. Use the rest of your work income to pay off all your bills and put some money aside.

To determine if Social Security will be enough, save every receipt and

You must be logged in to view this content.