Your guides to a really great financial future.

Tom and Don are talking real money.

Happy Q&A day.

Hi, welcome to the Q&A show, which gets put up online every Friday.

You may listen to it at another day, or on another day.

So that's why it's Q&A day. This is where you speak your questions into the ask a question form at

talking real money.com using a mic. And then I take that question that you called in using a mic, and I actually enhance it

digitally.

And in fact, I'll give you an example later on.

I'll start a question off the way it came in and then enhanced.

I think it's a later one, but I'm going to do that a little later.

So you send those in and then I use them on a podcast that I put up on Friday, the Q&A podcast.

That's this one.

Hi, everybody.

I'm Don McDonald, one of the two hosts of Talking Real Money along with Tom.

And our favorite thing to do is answer your questions. And we do that at

Talking RealMoney.com on the Ask a Question button or the contact form. We also do it if you

call in those questions at 855-935-935-tall-t, 855-935-8-25-5. So thanks for being a part of the program. and let's get to our very first question on what is really a busy day. A lot of questions came in, so I was able to load this one up with a few more. Here's the first one.

Hello, Don. This is Jay from Dallas. I listen to about eight different financial podcasts. And when talking about waiting to take Social Security, I very rarely hear any of these broadcasts, including yourselves, talking about spousal benefits and how that might change the math.

I'll take myself, for example. My wife waited until her full retirement age and began collecting $900 a month.

She will get a spousal benefit when I begin collecting.

Her spouse of benefit is based on 50% of my benefit at my FRA, whether I wait until my full

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