Spousal Benefits, HSA Tax Strategies PSA, Inherited IRAs: Q&A #2632

August 8, 2026

Spousal Benefits, HSA Tax Strategies PSA, Inherited IRAs: Q&A #2632

Jim and Chris discuss listener emails on Social Security spousal benefits, a listener PSA on HSA tax strategies and treasuries, and inherited IRA RMD rules for minor beneficiaries.

(9:00) A listener asks about qualifying for spousal benefits after a lengthy separation, since both spouses are now retired but remain legally married.

(28:15) The guys share a listener PSA on tax strategies involving harvesting HSA-eligible expenses, including Medicare B and D premiums, as a tax-free funding source, and on laddering treasury bills through Fidelity or Schwab instead of TreasuryDirect.

(40:15) George follows up on inherited IRA rules for minor child beneficiaries, asking whether an eligible designated beneficiary can elect the 10-year rule instead of taking the stretch, which requires RMDs.

Podcast: Play in new window | Download (Duration: 1:22:00 — 37.5MB)

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