SELLEST OSAST
Roger Whitney closes out his five-week Social Security series with a practical framework for married couples deciding when to claim. He explains how to coordinate benefits, avoid common mistakes, and make a decision that fits the household rather than relying on a single calculator or searching for a perfect answer.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PODCAST
- (00:00) Roger Whitney closes out his five-week Social Security series with a guide to building a claiming strategy for married couples. He shares a practical framework for coordinating benefits, avoiding common mistakes, and making a decision that fits the household.
PRACTICAL PLANNING
- (06:54) Roger shares a framework for coordinating benefits, weighing household priorities, and testing claiming strategies against a retirement plan of record.
LISTENER QUESTIONS
- (36:55) Dominic: Do cost-of-living adjustments apply before claiming?
- (39:17) Joe: Should he wait until age 70 to claim while his wife claims at 62?
- (41:31) Jason: Should the opportunity cost of delaying be compared with the potential return of an aggressive investment portfolio?
- (45:05) Ann: What if both spouses have similar, moderate-to-high benefits?
- (46:20) Stacy: Is it reasonable for a lower-earning husband to claim at 62 while his higher-earning wife waits until 70?
SMART SPRINT
- (49:08) Put time for your Social Security decision on the calendar.
ON THE BOOKSHELF
- (50:38) Roger and Nichole share books they’re reading, and Roger previews next week’s conversation with Peter Lazaroff about The Perfect Portfolio.
REFERENCES
- Social Security Administration
- Live Year-End Planning Session
- Sign up for the Noodle!
- Rock Retirement with Roger Whitney — YouTube channel
- Submit a Question for Roger
ON THE BOOKSHELF
Inglise
Ameerika Ühendriigid
TRANSKRIBEERI 🔗
Are you the producer of this podcast?
Add a podcast transcript
Need Audio-to-Text?
Transcribe with Listen411 in Just 60 Seconds
OTSI VARASEMAID OSASID
Otsi kanali Retirement Answer Man viimaseid osasid.
MUUD EPISOOD SELLES PODCASTIS
As part of Roger’s summer replay series, he revisits a conversation with Peter Lazaroff about the value of elegant simplicity in retirement investing. They discuss why more sophisticated strategies are not necessarily better, how added complexity can create unexpected risks, and why the money suppo…
August is encore month on the Retirement Answer Man podcast, giving Roger an opportunity to step back, reflect, and revisit some of the show's most impactful conversations. This week, he replays his discussion with Tanya Nichols on retiring single—a topic that remains just as relevant today. Togeth…
What if budgeting wasn't about restriction, but about giving every dollar a purpose? This week, Roger sits down with Jesse Mecham, founder of YNAB (You Need A Budget), to discuss the power of intentionality with money. Together, they explore how asking one simple question, "What is this money for?"…
This Summer Replay revisits Roger’s 2018 conversation with Gretchen Rubin about the Four Tendencies and how understanding your personality can help you create a retirement plan and daily life that truly fit who you are.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN
(00:00) Roger introduces …
How do you know when it's worth optimizing your retirement plan and when it's better to keep things simple? This week, Roger answers a listener question by exploring Aristotle's concept of the "golden mean," arguing that the best retirement decisions are rarely found at either extreme. He explains …
Vastutamatussäte: Sellele lehele manustatud taskuhäälingusaade ja kunstiteosed pärinevad Roger Whitney, CFP®, CIMA®, RMA, CPWA®-lt, mis on selle omaniku omand ja ei ole seotud ettevõttega Listen Notes, Inc.
MUUDA
Aitäh, et aitad hoida podcastide andmebaasi ajakohasena.
