(13:00) A listener shares a PSA about a positive Medicare and IRMAA reduction experience at a Central Florida SSA office.

(19:00) Georgette follows up with a PSA confirming her husband received all delayed retirement credits despite a February 1 birthday.
(26:45) George asks whether his wife will be automatically moved to a spousal Social Security benefit when he files, or if she needs to apply separately.
(37:45) Jim and Chris provide clarification on what problems different types of annuities are designed to solve and when each might be used.
(1:03:45) The guys address a listener’s concerns about a specific fixed indexed annuity, asking whether a MYGA or money market alternative would offer better long-term value.