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Podcast: Talking Real Money - Investing Talk
Episode: Now or Later?
Description: Don and Tom revisit the Social Security debate after new Wall Street Journal and New York Times articles challenge long-standing advice to delay claiming. They dismantle clickbait claims that “waiting doesn’t make sense,” highlighting emotional biases, unrealistic investment assumptions, and spousal benefit considerations. The episode also covers whether Social Security counts as an asset, then shifts to listener questions about 529-to-Roth rollovers for graduate school, switching funds in an IRA, and managing company stock in an ESOP-based 401(k).
0:00 Why they keep returning to Social Security and why 25% of retirees rely on it entirely
1:43 Two-thirds claim...