Social Security is a government-run program in the United States that provides a source of income for retirees, as well as for people who are disabled or the survivors of deceased workers. The program is funded through payroll taxes, and it is designed to provide a basic level of financial security for those who are no longer able to work.
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Should I just rent furnished places in both location for six months each? I don’t want to buy, leaving a property for six months at a time. I want to be in climate that allows me to be outside enjoyin...
I don't really want to go back to work yet. But there is a contractual position - if I take it and succeed for 3 to 6 months, we can boost our retirement finances substantially. However, I have anxiet...
Tuesday, May 05 - Monday, May 11, 2026 Most Commented score comments title & link 28 126 comments Question about paying off mortgage. Advice appreciated. 86 47 comments Soon to enter Retirement Phase ...
Driven by a recent spike in fuel and food prices, the 2027 Social Security COLA forecast has jumped to 3.9% — a significant increase over the 2026 raise of 2.8%.
Social Security isn't simple. Learn the key claiming strategies—spousal, survivor, disability, and more—to maximize your benefits and avoid costly mistakes.
In spite of two divorces, two bankruptcies, and one short sale, I have been able to somehow amass about $500,000. I am going to retire at the end of this year at 66. I already started taking SS, and h...
Over 20% of Americans are receiving Social Security. SS benefits will be reduced in 2033. What changes are being considered? How will it affect you? Read to learn more.
Jeremy Keil walks through three critical questions future retirees can answer before their paycheck stops Most people spend decades preparing for retirement by focusing on one number: How much have I ...
Even a perfect Social Security plan can fail if you hit a login wall, an ID check snag or a direct-deposit problem. Here's how to make sure that doesn't happen.
Trump’s proposed retirement accounts add to Social Security rather than divert payroll taxes. This piece explains the additive design and why it matters.
Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. ?Contact Devin's team at https://carrolladvisory.co/podcast1 ...
Hi, all. Planning for retirement next year. Looks like my social security and pension (both inflation-adjusted, a bit less for the pension) will cover my basic budget without the need to tap the 401k,...
Some advocates argue that Trump Accounts could pave the way for private Social Security funds.
Trump accounts are additions to Social Security, not privatization. Unions have always demanded a hybrid retirement system. The RSAA creates the universal hybrid.
The 90-year-old retirement income program is marred by confusing rules, administrative snafus and uncertainty over what benefit cuts and tax hikes are to come.
In this post, we discuss how you can use the Actuarial Approach and its funded status metric to help you feel more confident about your spending plan in retirement. It is a follow-up to our post of Ja...
The six-figure limit could help restore Social Security solvency, according to one paper.
We're 73, with $2.1 million and $4k a month in Social Security. My husband says we can't afford to help our grandson. Who's right?
(No, not the go-go, slo-go, no-go adage) I just got my letter from Social Security saying, it’s time, bud, apply to claim your benefits. I’ll be 70 in a few months. For the last 2.5 years, my wife and...
Spot Social Security scam emails before they cost you. Learn the red flags, how imposters trick seniors, and simple steps to protect your identity and savings.
Six weeks ago I enrolled for my social security. Its been over six weeks and all I have received is an email on the day after I enrolled saying someone looked at my submittal. I cannot find anyway to ...
Wish we all could see the future! Will be 70 later this year. Still working part time, started collecting SS at FRA. Divorced long ago, never really recovered financially. Work recently started a 401k...
Most people think deciding when to take Social Security is a math problem. Run the numbers. Find the breakeven age. Pick 62, 67, or 70. Done. But that approach misses the point. This is not a math dec...
The Social Security Administration calculates benefits in a capricious fashion, as directed by Congress. The divorced do well, while second earners pay a price.
I left my job in 2025 but contributed to my Roth IRA because I was still working in that year. This year, I started working as a W-2 contractor for my former company through a contracting company. I t...
Hey all! Just finalized my retirement date for this summer (60 M). I’ve gone through the “normal” checklist for financial planning, healthcare coverage, SS, etc. Are there any other checklists out the...
Jeremy Keil explains how 5 smart moves could impact your ability to claim $180,000 or more as a couple in Social Security. If you’re about to file for Social Security, there’s a real possibility you c...
Chris Orestis, founder & president of Retirement Genius, answers the question: “Is Social Security going bankrupt?” “If we don’t address the financial shortfall… it would trigger an immediate 20% or g...
Dr. Wade Pfau explains four ways to beat sequence of return risk and turn your retirement savings into retirement income. For most of your working life, retirement planning feels relatively straightfo...
Chris Orestis, founder & president of Retirement Genius, explains how to make more informed Social Security decisions. Social Security is one of the most important decisions in retirement. And yet, ma...
Hello. I (59F) have been trying to plan to retire early-ish for years. I would like to very much soon. I have tried to make my plans generally as fitting the circumstance at the time only to have the ...
Concerns over debt, Social Security and Medicare are fueling a decline in confidence about retirement.
Here’s how your 401(k), IRA and Social Security can help you pay for storm-related costs.
Here’s what Social Security provides to young people.
Here’s how a tax increase or benefit cut would impact your retirement.
Many members of Generation X and Baby Boomers who are not yet eligible for Social Security said they will claim benefits as soon as they are eligible, according to a new study.
Social Security benefit cuts are a real risk but not certain. Here’s what projections show, and how to plan your retirement accordingly. The post Social Security Benefit Cuts? What the Latest Projecti...
The trust funds for Social Security and Medicare Part A seem likely to run out of money faster than was projected last year, the Congressional Budget Office estimates.
"Chase and Ryder" are 56 and 55 with $5 million saved and huge pensions the day they retire. So why are they so nervous about pulling the trigger? That's today on Your Money, Your Wealth® podcast numb...
Tuesday, April 07 - Monday, April 13, 2026 Most Commented score comments title & link 19 25 comments Retired folks: Best time of year to save money on home improvement projects? Top Comments score com...
My 62 year old wife is being treated for stage three breast cancer, and she is currently receiving care via Medicaid. She does not have any income of her own, she is not now receiving any Social Secur...
Avoid rising IRMAA surcharges and discover how volunteering and part-time work keep more of your Social Security benefits tax-free.
Original Medicare vs. Medicare Advantage, Social Security timing, and the enrollment mistakes that follow you permanently. The post Social Security and Medicare Decisions That Can Cost You for Life ap...
We are retiring next year and I wonder how we should pay ourselves beyond whatyou receive in SS. Do you take money out monthly? Quarterly? BiWeekly? What helped you decide that? I am leaning toward Bi...
In the world of very early retirement, we tend to ignore one of the most important things for normal retirees: the Social Security program. Don’t get me wrong, it’s a great thing for the 73 million pe...
I have been toying/hoping to retire in March 2027. My goal has been on my 30th anniversary at my current job. I do have a pension that I could have been taking but I was thinking about it like Social ...
The Social Security decision should reflect how clients want to spend, withdraw from wealth and experience retirement. Here's how advisers can find that out.
In this episode, Roger Whitney breaks down essential elements you need to consider before and during retirement. From understanding inflation risks to strategic asset reallocation, this episode offers...
We’ve all read the research about the “Go-go, slow-go and no-go” periods of retirement and decreased real-dollar spending as we age, but contrary to observed research, most decumulation strategies tod...
This post is a follow-up to our post of July 2, 2025. In that post, we talked about the possibility of future Social Security benefit cuts and how you can use the Actuarial Financial Planner to estima...