Social Security Spousal Benefits and Other Questions

March 4, 2017

How exactly do Social Security Spousal Benefits work if your lower earning spouse has filed for their SS benefit and you haven’t filed for yours yet? Jim and Chris answer this question and others from listeners: When a Qualified Charitable Distribution (QCD) is taken, does the pro rata rule apply? If you’re downsizing in retirement, is it better to pay for a new home outright or take out a mortgage and invest the money? If you think you won’t be long-lived, is it better to delay your Social Security benefits or take them early?

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