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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? Show Notes In this episode, Roger Whitney dives into the essentials of required minimum distributions, explaining the age thresholds, how the amounts are calculated using IRS life expectancy tables,...
As you approach retirement, understanding spousal benefits can empower both you and your partner to make well-informed decisions. The post Spousal Benefits: Learn How to Make the Most of Social Securi...
Learn key factors to consider before filing for Social Security. Understand timing, earnings limits, and how to maximize lifelong benefits for you and your spouse....
I expect to retire in the next 12-24 months, and I’m looking for advice on how to handle multiple income streams. Like a lot of people, for almost 40 years, nearly all our household income has c...
If you’re hoping the 2026 Social Security COLA will help ease the pressure of rising costs, don’t get your hopes up. The 2026 increase is only 2.8%.¹ With inflation, Medicare premiums...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, today on Your Money, Your Wealth® podcast numb...
To read this story on KSL.com, click here. For most Americans, Social Security is more than a paycheck — it’s the foundation of their retirement. But the timing of when…...
The playbook for filing for Social Security has been turned on its head. What worked for previous generations could end up costing you a small fortune. One reason is the…...
Bills don't stop once you retire — and you can't expect your Social Security checks to cover them all. Don't risk running out of money. Instead, make a plan....
A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses, ex-spouses, a...
FROM THE ARTICLE. AARP-backed bill aims to tweak SSA wording to help older adults decide when to start benefits. By Deirdre Shesgreen, AARP. Published November 06, 2025. Could a little wordsmithing by...
My wife and I have always been savers. Now in retirement I'm struggling to spend any money beyond the required bills, food, and payments. With our pensions and social security, the basics are way more...
Planning for Retirement: Social Security and Beyond!Tuesday, Dec 2, 2025. 2:00 p.m. ET • 1:00 p.m. CT • 12:00 p.m. MT • 11:00 a.m. PT. Duration: 60 Minutes. Zoom - Free Online Event. FR...
? SHOW NOTES In this episode, Roger Whitney explores the art of retirement goal setting with his signature blend of practical advice and thoughtful reflection. He sits down with Cesar Aguirre, who sha...
Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn’t match the average. In this episode, James shows why age-based savings benchmarks miss the mar...
You've heard it a thousand times: "Wait until 70 to file for Social Security." But if that's such obvious advice, why do most retirees file earlier? In this episode, we uncover the hidden cost of wait...
I am planning to retire (hopefully) soon, and I keep reading things that say I'll need 70% of my pre-retirement income, or 80%, or 90%. The idea being that you will lose some of the expenses related t...
FROM THE ARTICLE. Social Security Weighs Major Changes to Disability Rules. Advocates say regulations could affect hundreds of thousands of older adults sidelined from work by illness or injury. By Sh...
Interesting Social Security Scenario - What’s your take on this? ? or ? A (breadwinner) parent divorced a real deadbeat parent after 14 years of marriage -and (2) kids. Neither ever remarried. T...
In this episode, we break down the newly signed One Big Beautiful Bill Act (OBBBA) and what it means for retirees. From the extension of the 2017 tax cuts to new rules around Roth conversions, Social ...
Today we answer a question from Ken, a recent retiree at 63, about how his Social Security claiming decision impacts his wife's future spousal benefit. We break down how spousal benefits are calculate...
In this special episode, we catch up on a backlog of insightful listener questions—covering everything from estate planning and Social Security taxation to Roth conversions and Medicare rules. I...
In this inbox episode, we break down how the Social Security earnings limit works—especially for C corp owners who split income between salary and dividends. Learn what counts toward the limit, ...
Rosemary's husband is scaling back to 32 hours a week as part of his transition plan before switching careers. With Social Security in mind, she asks: Will this reduced income impact their future bene...
In this episode, we address Joe's question about how claiming Social Security benefits early can reduce withdrawals from retirement accounts and potentially lead to greater long-term growth. Joe share...
In this episode, we answer Lori's question about whether the repeal of the Government Pension Offset (GPO) will increase her survivor benefits and how it could impact benefits for those with similar c...
So far in 2025, early Social Security filings have jumped dramatically compared to last year. Nearly half of those filing early say they're doing so because they're worried about cuts. But will filing...
When should you claim Social Security? For high-net-worth retirees, this is not a simple decision. In this episode, we explain why Social Security is not just a monthly check but a strategic part of a...
Policy experts across the political spectrum share similar goals: To restore long-term solvency while improving its ability to support lower-income workers in old age....
My wife and I plan to retire at the end of 2028. While we both have good paying jobs now, for most of our adult lives, we've been barely making it - raising children and living paycheck to paycheck. O...
When you work and collect Social Security benefits before your FRA, you are subject to the Retirement Earning Test that could result in a temporary reduction of your benefits....
How claiming Social Security affects ACA health insurance depends on if there's a cliff, and your household income before and after Social Security. Learn the Nuts and Bolts I put everything I use to ...
Recently, in her Motley Fool article, A Big Reason the Famous 4% Rule May Not Work for Your Retirement, Maurie Backman confirmed what we have been telling our readers for years—you aren’t ...
FROM THE ARTICLE. 6 Big Social Security Changes for 2026. COLA increase, higher Medicare costs and a new tax break will affect beneficiaries’ bottom lines in the year to come. By Deirdre Shesgre...
The Social Security Administration has announced significant changes affecting millions as we approach a new year....
Test your basic knowledge of the Social Security earnings test in our quick quiz....
I’m 61 and “retired” 4 months ago. Arthritis is taking its toll and I wanted time before I’m not able to do more than hang out in front of a tv. My wife plans to work for 5 mor...
The Social Security Administration announced its cost-of-living adjustment for beneficiaries — a figure advocates say fails to address the reality for most seniors....
many people don’t know is that the Social Security Administration doesn’t recognize traditional powers of attorney. An additional step must be taken to complete the plan....
Recipients, including retirees and their spouses, as well as those who receive disability benefits and Supplemental Security Income, will see the additional benefit starting in January....
My wife and I have particular circumstances. I don’t understand exactly where we can get exploit certain social security advantages. My wife is 61, and I am 56. I am the main breadwinner at 115k...
You don't know what you don't know, and with Social Security, that can be a costly problem for retirees — one that can last a lifetime....
The 2026 Social Security COLA fails to match inflation because benefits lag, Medicare costs rise, CPI-W is quirky and older women lose most....
Some married couples can maximize Social Security benefits when the lower-earning spouse files for benefits first, even before their full retirement age....
Social Security tax will be imposed on up to $184,500 of earnings. Average benefits will rise $56 a month, but Medicare Part B premium hikes will eat up part of that....
Social Security made simple: Get expert tips to claim the right benefits, maximize income, and secure your retirement....
The SSA has announced the 2026 Cost-of-Living Adjustment (COLA), the new maximum taxable wage cap, and the earnings requirements for Social Security credits....
If you receive Social Security checks, where you deposit them matters because it can help grow your earnings. See the best options....
Before starting my Social Security retirement benefits a year ago, I decided to look into how to find the benefit start month that would maximize the value of benefits over my life expectancy. Sounded...
The best strategy for when to claim Social Security benefits resides in a wide zone. It doesn't matter much when you choose a date within the zone. Learn the Nuts and Bolts I put everything I use to m...