Episode Details

Boost Your Social Security Setup for a Smoother Retirement: Three Simple Moves Before 2026

Before 2026, married couples can enhance their Social Security setup with three straightforward actions. First, verify earnings records in your my Social Security account for both spouses, as these records determine future monthly checks. High earners should ensure their records are accurate, as Social Security taxes only apply to the first $184,500 in 2026.

Second, use the online benefit estimator tool to discuss claiming ages together. Delaying claims beyond full retirement age (67 for most) increases payments up to age 70, while early claims result in smaller checks over more years. Consider spousal benefits if one partner earned more.

Lastly, calculate a savings target to cover any income gaps beyond Social Security. Multiply your monthly shortfall by 12 and then by 25 for a savings goal. By following these steps, couples can avoid surprises and stay adaptable as life changes occur.

Support the show:
Get a discount at https://solipillow.com/discount/dnn.

Advertise on DNN:
advertise@thednn.ai

This is an automated, high-level news summary based on public reporting.
Report issues to feedback@thednn.ai.

View sources & latest updates:
https://sources.thednn.ai/d8c096fe3d042f18