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Social Security isn’t just a government check—it’s a major piece of your retirement plan. In this episode, we break down the different types of benefits (retirement, disability, survivor, and family), how your earnings and timing affect your payout, and what you need to know about spousal and ex-spousal benefits. We’ll also unpack tricky rules like WEP and GPO, and talk about how taxes can impact your Social Security. If you want to retire smarter, this episode is your roadmap to making the most of your benefits.