{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Freedom for Retirement™","title":"The Social Security Break-Even Age Is the Wrong Question","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/dde1bd28\"></iframe>","width":"100%","height":180,"duration":887,"description":"🔗 Download the Social Security Claiming reference sheet:\nhttps://drive.google.com/file/d/1s0jIZgcTOkXjTFnqNg18nyHXMFcXfOWs/view?usp=sharing\n\nThe Social Security break-even calculator points at age 80 and asks whether you'll live that long. The better question is which account funds the wait.\nJosh Duncan, partner at F5 Financial Planning, walks the claiming window with 2026 numbers: a permanent 30% cut for starting at 62, 124% of your full benefit for waiting until 70, and a $720-a-month raise that costs roughly $108,000 of portfolio withdrawals to buy. He then follows those bridge years into territory the calculators skip, the lowest-income stretch of your retirement, where Roth conversion room opens up and closes for good once RMDs arrive.\n\nThis episode covers:\nWhy the delayed-credit clock stops at 70\nHow the 2026 earnings test withholds $1 of benefits for every $2 earned above $24,480\nWhether the new $6,000 senior deduction really ends taxes on Social Security\nWhat a surviving spouse keeps when the first check stops\nWhen waiting backfires\nThe government sets the percentages. Everything after that is yours to plan.\n🎥 Roth conversions video: https://www.youtube.com/watch?v=Y7suIjH8-Rk\n\n🎥 Which account to spend first video: https://www.youtube.com/watch?v=bz2mS1dYbtE\n\n🎥 When the first spouse dies video: https://www.youtube.com/watch?v=sALn8Wy3cgI\n\n👉 Work with us at https://www.f5fp.com\n\nAbout F5 Financial Planning:\n\nAt F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through...","thumbnail_url":"https://img.transistorcdn.com/OMhHymyiKvGNkP8t54gkQ7TzI2XINLOZKfM_8kC6oG8/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8zMmQ1/YjllNTViYjQxODFh/ZjM5NjgyZDFmMzkx/MDYyNy5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}