Social Security is always a HOT topic when it comes to retirement planning. And that is extremely understandable when over 90% of Americans rely on it for a portion of their retirement. So, in this episode, Dave is joined by Alisha Wright, a Social Security expert and junior adviser for Retirement Risk Advisers. They dive deep into the complex world of Social Security and tackle questions from real listeners. From the impact of Medicare premiums on Social Security benefits to the calculation of full retirement age and the thresholds for Social Security tax, Alisha shares invaluable insights to help listeners navigate their retirement journey. Whether you're curious about how pensions affect benefits, work credits requirements, or spousal benefits, this episode has the answers you need. Key Takeaways: Social Security is a complex and individualized decision - The best age to start Social Security benefits, the impact of working while receiving benefits, and the influence of personal circumstances all contribute to when it's best to start receiving Social Security. Survivor Benefits - People who are widowed or divorced may be eligible to receive survivor benefits, and it's essential to understand how these benefits work and how they may impact personal retirement benefits. Impact of external factors on Social Security - External factors like pensions, Medicare premiums, and work credits directly impact Social Security benefits, and understanding how they interplay with benefits is crucial for effective retirement planning.