Social Security, Roth Conversion Tax Strategy, and Identity Theft PSA: Q&A #2514

April 5, 2025

Social Security, Roth Conversion Tax Strategy, and Identity Theft PSA: Q&A #2514

This week’s is a bit of a non-traditional Q&A episode where Jim and Chris address two listener questions on Social Security but then move into Public Service Announcement mode. For the first PSA they discuss a listener email about a potential state-level Roth conversion tax saving strategy. Then, to wrap up the episode, Jim shares a continuation of the payday loan saga from last week. Jim and Chris are also joined by Jacob Vonloh from the office (who you have heard Jim mention many times), who shares a scam he recently encountered himself.

(13:00) George asks about child-in-care and spousal benefits tied to a disability claim and whether benefits increase if the higher earner delays until age 70.

(28:15) A listener wonders whether it might make sense to claim Social Security now rather than delay to age 70, given the additional spousal benefit that would be triggered.

(40:45) A listener PSA highlights how state-level exemptions may influence Roth conversion strategies.

(49:00) Jim provides a follow-up PSA about his recent payday loan fraud experience.

 

Show Notes

According to Norton you can help protect yourself by requesting your annual consumer reports and security freezes with the agencies below:

Teletrack: https://www.corelogic.com/support/credco-consumer-assistance/x

FactorTrust: www.transunion.com/client-support/factortrust-consumer-inquiry

Microbilt/PRBC: www.microbilt.com/us/consumer-affairs

Clarity Services: https://consumers.clarityservices.com/securityFreeze

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