Social Security vs. Pension No More - 536

Your Money, Your Wealth

Realestate, Income, Investing, Personalfinance, 401k, Rothconversion, Retirement, Education, Taxes, Socialsecurity, Personalfinances, Finance, Retirementplanning, Investments, Stocks, Business, Roth, Fiduciary, Ira

2.3 • 681 Ratings

🗓️ 1 July 2025

⏱️ 17 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

If your pension impacted your ability to collect Social Security benefits, 2025 is a very good year for you and your spouse. The Windfall Elimination Provision and the Government Pension Offset are no more, and you’re now eligible for your full Social Security benefits AND your pension! Today on a quick Your Money, Your Wealth® podcast number 536, while Joe hangs in the North Star State, Big Al Clopine explains what the Social Security Fairness Act means for Cherilyn and her husband, and "Nuke La Loosh" and his wife, with the help of our special guest co-host, Susan Brandeis, CFP®.

Free financial resources & episode transcript: https://bit.ly/ymyw-536

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Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

00:47 - Can I Qualify for Half of My Wife's Social Security Now That WEP and GPO Are Gone? (Nuke La Loosh, Northern CA - voice)

08:16 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA)

12:58 - Comment: Your TV Show and Guide on Social Security Are Out of Date (Helen, San Diego)

14:11 - Comment: Even If the TV Show Doesn't Pertain to You Directly, You Can Inform Someone Else (Catherine)

14:39 - Social Security Handbook (newly updated!) - download for free

15:00 - YMYW ranked among the "14 Best Retirement Podcasts and Blogs to Follow" by Due.com, featured on NASDAQ.com

15:21 - Next Week on the YMYW Podcast

Transcript

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0:00.0	If your pension impacted your ability to collect social security benefits, 2025 is a very good year for you and your spouse.
0:08.1	The windfall elimination provision and the government pension offset are no more.
0:13.1	And you're now eligible for your full social security benefits and your pension.
0:17.7	I'm executive producer Andy Last.
0:19.7	Today on a quick Your Money, Your Wealth
0:21.7	podcast number 536. While Joe hangs out in the North Star State, Big Al Clopine explains what
0:27.3	the Social Security Fairness Act means for Sherilyn and her husband and Newk La Looch and his wife,
0:33.6	with the help of our special guest co-host Susan Brandeis CFP.
0:40.4	Got a money question or need a retirement's pitfall analysis?
0:46.9	Click or tap Ask Joe and Big Al in the episode description and send it in as an email or a voice message like this one.
0:51.2	Hello, Joe Big Allen and my wife and I live in Northern California.
0:53.0	I love the show and I've learned a lot.
0:58.8	I usually listen while I'm exercising before work or driving on the weekends to our cabin. You've taught me a lot and I'm better off for having found your podcast first. The important stuff, I drive an F-150 and my
1:04.2	wife drives a Jeep Wrangler hybrid. I enjoy a hazy IPA or maybe a rum or tequila-based cocktail or even a Moscow meal just depends on the mood.
1:12.3	My wife enjoys a nice chardonnay.
1:14.1	I'm a teacher age 53 and wife age 57 is an accountant.
1:18.6	I've spent most of my career coaching middle school sports and my dear wife enjoys volunteering
1:23.0	with local charitable organizations.
1:25.2	I have two kids.
1:26.1	One is launched and one almost out of college.
1:29.0	We have two yellow labs that love a nice visit to the lake or just a simple ride in the
1:32.7	back of the truck.
	...

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