I view a large part of my role in your life for however long you've listened to the podcast

or watched on YouTube as giving you real insight that you can take away so that you worry less

about your retirement, but that you also get very transparent guidance. I find a lot of you think,

oh my gosh, I can't retire early. I haven't maxed out social security. I think it takes my 35 highest

years of how much I've made. And so because I've only worked for 30 years, I haven't maxed out Social Security. I think it takes my 35 highest years of how much I've made,

and so because I've only worked for 30 years, I'm not going to retire. I'm going to tell you why

that is not a healthy framework. I'm going to give you a real example today so that you can

understand how does Social Security actually work? Should you plan on it, how to configure

it in your plan? I'm going to hopefully

remove a lot of what I call head trash. Now, before I do, I'm going to give you the example that I give

all of my clients when I talk about Social Security. If I'm ever having a conversation,

this is the really simple way I like to start. So I will tell people, most people think one of two ways when it comes to Social Security.

Number one, they're thinking over here, they're going, wow, okay, I've worked a really long time.

I feel like I've saved and invested really well along the way.

Social Security, yeah, people have been saying it's going away for a long

time, but it's still here, and I want to factor it into my plan, and I'm not collecting until age

70, because I can collect anywhere from 62 to 70. I'm waiting until 70, because I'm going to max that

thing out, and I love the idea that if anything

happens to me, my spouse, they're able to receive that benefit for the rest of their life. Okay,

that's some people. Let's call it people A. People B, I should probably say person A, but we're

going to stick with people A to keep it more fun here. I'm trying to entertain you guys. Okay? Stick with me here because I know there's a lot. This is people A, not person A, okay? Now we're gonna go people B, not person B. Person B is thinking, you know, people have been saying Social Security is gonna be here, and I just, I'm not seeing it. Less people are paying into it. I'm the one doing all the research.

This is kind of my part-time job

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