Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks : Q&A #2435
Description
Jim and Chris sit down to discuss listener questions relating to Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks.
(6:30 ) George hopes Chris can confirm his Social Security math and give some input on when his wife should claim her benefits.
(17:30 ) A listener looks for clarification on whether his wife can claim her Social Security Benefits early then switch to full spousal benefits when he takes his full benefit.
(25:00 ) Jim and Chris share a listener’s joke – punny stuff!
(31:00 ) George asks why an annual SPIA payment ends up being less than monthly payments since the balance should earn more interest if it stays in the account longer.
(42:00 ) The guys talk about the difference between investing in equities with ETFs for S&P 500 versus total stock market and whether there are advantages to using total stock index.
(1:02:00 ) A listener wonders if the original open date of his Roth 401k still counts for the 5-year rule now that he’s rolled it over into a Roth IRA, or if the clock has restarted.
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