Will divorce affect anything at this point?

[Girly Gorilla 0]

30 minutes ago, Mike E said:

Generally each full year of work is 4 credits, though this  depends on how much is earned.  Create an account on SSA.gov and determine how many credits you have.  If you have 40 credits, your spouse’s I-864 obligation has concluded.  
 

If not, if during the marriage as a couple you two earned a combined 40 credits, your spouse’s I-864 obligation has ended. 
 

Finally if you are married 10 years to your spouse, if your  spouse has 40 credits, then some lawyers contend  your spouse’s I-864 obligation has concluded.  
 

Once someone can be credited with 40 SS credits one qualifies for social security. 

Wow, had no clue about this!

Thanks for letting me know.

 

I signed up and it said this "

You have 32 of 40 work credits you need to receive Retirement benefits."

 

Okay so, I'm not there just yet, but....does that mean I cannot do my 401k?? Because for the first time in my job history I've started a 401k with my part time job earlier this year.

[Mike E 11,725]

401k doesn’t not require preexisting SS credits. 
 

You don’t have enough credits to draw SS retirement benefits based on your own work history. 

 

Getting back on topic, depending  on the answers to my other questions you have enough credits for SSI and thus your spouse is off the hook for I-864.  

[SalishSea 16,851]

6 minutes ago, Girly Gorilla said:

Wow, had no clue about this!

Thanks for letting me know.

 

I signed up and it said this "

You have 32 of 40 work credits you need to receive Retirement benefits."

 

Okay so, I'm not there just yet, but....does that mean I cannot do my 401k?? Because for the first time in my job history I've started a 401k with my part time job earlier this year.

Has nothing at all to do with your 401K.

 

In fact, you SHOULD be contributing as much as you can afford to, up to the annual maximum, because at retirement whatever you get in social security will likely be insufficient for you to live on.

 

Also, there are great tax advantages to contributing to your workplace based 401K - the part of the income deducted from your pay to fund it is not taxed.

[Girly Gorilla 0]

i can def do 401k i have been doing it...