{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Retirement Answer Man","title":"Your Social Security Playbook: Building Your Strategy- Married Filers","html":"","width":"100%","height":180,"duration":3163,"description":"Roger Whitney closes out his five-week Social Security series with a practical framework for married couples deciding when to claim. He explains how to coordinate benefits, avoid common mistakes, and make a decision that fits the household rather than relying on a single calculator or searching for a perfect answer.\n\nOUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PODCAST \n(00:00) Roger Whitney closes out his five-week Social Security series with a guide to building a claiming strategy for married couples. He shares a practical framework for coordinating benefits, avoiding common mistakes, and making a decision that fits the household. \nPRACTICAL PLANNING\n(06:54) Roger shares a framework for coordinating benefits, weighing household priorities, and testing claiming strategies against a retirement plan of record. \nLISTENER QUESTIONS\n(36:55) Dominic: Do cost-of-living adjustments apply before claiming? \n(39:17) Joe: Should he wait until age 70 to claim while his wife claims at 62? \n(41:31) Jason: Should the opportunity cost of delaying be compared with the potential return of an aggressive investment portfolio? \n(45:05) Ann: What if both spouses have similar, moderate-to-high benefits?\n(46:20) Stacy: Is it reasonable for a lower-earning husband to claim at 62 while his higher-earning wife waits until 70? \nSMART SPRINT\n(49:08) Put time for your Social Security decision on the calendar. \nON THE BOOKSHELF\n(50:38) Roger and Nichole share books they’re reading, and Roger previews next week’s conversation with Peter Lazaroff about The Perfect Portfolio.\nREFERENCES\nSocial Security Administration\nLive Year-End Planning Session \nSign up for the Noodle! \nRock Retirement with Roger Whitney — YouTube channel\nSubmit a Question for Roger\nON THE BOOKSHELF\nRemarkably Bright Creatures by Shelby Van Pelt \nIn a Sunburned Country by Bill Bryson ","thumbnail_url":"https://img.transistorcdn.com/ZpX_mjyJlNc9EkcOXxrNJpkZJfbQBcKxxEeVTSEjAo4/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8zZWM3/NGVlZDE5ZDYyZGY1/MjJlZWUzMmIzODM1/ODlkNS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}