Scammers continue to evolve with technology, and we explain the rise of synthetic identity theft. The thieves assemble a fictitous name to a child's unused Social Security number, build a record of credit for the synthetic identity, and then cash in. You should think about freezing your child's credit, and keep an eye out for signs of the scam.

Gregory explains how the Windfall Elimination Provision affects Social Security benefits for those who had a job that doesn't pay into the Social Security system. We hear a lot from teachers and other state employees with their issues on the show, but this can also affect those who worked outside of the country, or had other exemptions as well. Gregory reports on a piece of legislation aimed at correcting some of the problems with the Windfall Elimination Provision currently making its way through Congress.

The Windfall Elimination Provision calculator (and other useful tools) is at ssa.gov/planners/calculators/

Vincent in New Orleans asks Gregory to explain the 1099 issued from his IRA distribution. He wants to know exactly what his tax bill will be for dipping into his IRA.

Michael in Tickfaw, Louisiana asks Gregory if he meets the requirements to escape the Windfall Elimination Provision biting into his Social Security benefits. Gregory shows Michael how to know if he qualifies, because it sounds like he's pretty close to it.

JC in Metairie asks Gregory to explain how Social Security will claw back some of your benefit if you continue to work after turning it on early.

A hospital in Scotland becomes the first to offer a treatment program for addiction to gambling. Gregory can't fathom being addicted to Bitcoins.

Gregory gives the real truth behind Peak Gold, and explains how history and technology show that we still have a long way to go. Gold mining reality shows are an interesting display of how technology has changed the gold industry, and most of the gold above ground today has been extracted in the last 50 years.

Will Robert in Bay St Louis be hit with the Windfall Elimination Provision? He has had some jobs that didn't pay into the Social Security system, and some that did. Gregory guides him through the process of how to get around having your Social Security benefits bitten by the Windfall Elimination Provision.

George in Gautier asks Gregory if he has any options for him and his wife to increase their Social Security benefits after they've been turned on for years.

Brian in Kosciusko, Mississippi asks Gregory if his Railroad pension system is affected by the Windfall Elimination Provision. There's certain exceptions for some Railroad retirement systems, and Gregory shows Brian where to find some answers.

There's 101 people in America with over $1 million dollars in student loan debt. We share the story of Mike, who borrowed over $600K to get through dental school, and how he got swamped by the math.

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