Social security is one of the most important pieces of retirement income, yet it's often misunderstood. In this episode, I break down how Social Security works, including eligibility, benefit calculations, and spousal/survivor benefits. We'll cover how your benefits become taxable and how combined income affects your tax liability. I'll also discuss the implications for retirement planning, including strategies to maximize benefits, avoid common mistakes, and coordinate Social Security with other income sources. Whether you're nearing retirement or just starting to plan, this episode will give you the clarity you need to make informed decisions about your Social Security benefits.

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