Does my monthly payout increase incrementally if I retire at 63 or 64 or 65?

Before the internet, you pretty much needed a broker. Now you can use the internet to gather information and to make the actual investments. I have been with Fidelity for about 45 years and my modest investments have grown to about $2 million.

Open a brokerage account at some place like Fidelity and buy a Vanguard index fund. That's a good way to get started. If you think you need a broker, fine but they are very very expensive.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.