This episode delivers a crucial update on the latest Social Security changes, including the new Cost-of-Living Adjustment (COLA) and revised earning limits for working retirees. We break down the core strategies you need to maximize your benefits, weighing the pros and cons of claiming early versus delaying until age 70 for the highest possible payout. Tune in to learn how to coordinate spousal benefits and integrate your Social Security decision seamlessly into your broader retirement tax plan.