{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"The Social Security Surprises That Could Cost You Thousands, Ep 190","description":"Most people treat Social Security as a fixed outcome, just another box to check when retirement arrives. Select an age, complete the form, and proceed. But the truth is, your choices around Social Security can unlock, or quietly erase, tens of thousands of dollars over time. The timing of your claim, whether you\u2019re still working, your marital history, even how you coordinate with your spouse\u2019s benefit\u2026 it all matters. And yet, plenty of financial advisors either avoid the topic or admit they don\u2019t know how the system works. That leaves you on your own to navigate rules that weren\u2019t designed to be intuitive, and change more often than most people realize. We\u2019re walking through the kinds of Social Security questions that don\u2019t get answered anywhere else. From how remarriage changes your options, to what really happens when you claim while still working, to why your savings could shrink faster than expected, these aren\u2019t niche hypotheticals. They\u2019re decisions with long-term effects, and it\u2019s time more people knew what\u2019s really at stake. You will want to hear this episode if you are interested in...  (00:00) The Social Security Surprises That Could Cost You Thousands. (04:11) What your advisor might not know (but should) about Social Security. (06:25) The earnings test demystified through a real-life example. (09:39) Spousal, ex-spousal, and survivor benefits: who qualifies and when. (14:57) Major policy changes: The Fairness Act and unexpected lump sum payouts. (26:20) Legal custody, grandchildren, and overlooked Social Security benefits.  Resources &amp;amp; People Mentioned  3 Steps to Retirement Planning https:\/\/www.retirestrongfa.com https:\/\/www.ssa.gov  Connect With Gregg Gonzalez  Email at: Gregg.gonzalez@lpl.com Podcast: https:\/\/RetireStrongFA.com\/Podcast Website: https:\/\/RetireStrongFA.com\/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg  on YouTube  &amp;nbsp; Subscribe to Retirement Made Easy On  Apple Podcasts,  Spotify,  Google Podcasts ","author_name":"RETIREMENT MADE EASY","author_url":"http:\/\/retirestrongfa.com","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/36970845\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/70accc\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/36970845"}