Social Security isn't just about picking an age and calling it a day, it's one of the biggest financial choices you'll make, with lots of rules and personal factors to consider. In this episode, Nick walks you through exactly how your benefit gets calculated and breaks down the essential rules you really need to know. If retirement is on the horizon, Nick's clear and practical advice will help you ask the right questions and feel more confident in your Social Security decisions.

Here's what we discuss in this episode:

💰 Benefit Calculation: based on your highest 35 earning years

📅 Claiming Ages: early, full retirement age, and delayed options

💻 Working Impact: how earned income can reduce benefits

💑 Spousal Rules: benefits tied to marriage and survivorship

🏦 Taxes: when Social Security becomes taxable

🗨️ Q&A: pensions, survivors, and common filing questions

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