In this episode, Colin welcomes back Social Security expert Hamilton Morales to bust what he says is one of the biggest myths surrounding Social Security spousal benefits- and it’s a costly one! Many people believe a spouse automatically receives half of the other’s benefit. Not only is that often wrong, but misunderstanding the rules could mean losing out on thousands of dollars over your retirement years.

Hamilton shares what your benefits are actually based on and why timing and eligibility matter far more than you think. They also dive into another confusing topic: widow’s benefits. Learn how a surviving spouse’s age and timing decisions can impact what they receive.

Here’s some of what we discuss in this episode:

💸 Why the “50% of your spouse’s benefit” rule is often misunderstood

⏰ How the age you claim affects your spousal benefit

🧮 What determines widow’s benefits

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