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Live 4 Financial Freedom

61 EpisodesProduced by Bruce MillsWebsite

Become a Paid Subscriber: is our journey through Marriage, Raising Teenagers to Financial Freedom. Financial Freedom (FIRE) can help give you choices in life. We share stories to help couples getting married, married. Helping parents survive raising kids to plan… read more


Another Reason Why to Wait for taking out Social Security

The more questions we ask the more we learn about Social Security to help us with our Retirement Projections. My Dad and myself got talking about what happens when once spouse dies how much the other spouse gets then from Social Security for monthly payments if they are both retired.

We hope we never will need Social Security to get by on but it looks like for our situation that it will be part of the money we will need to keep our current lifestyle. We hope to live long healthy lives so we will be able to keep golfing and traveling when we both are retired.

My Dad thought the living spouse got the whole Social Security amount each month of the spouse that died and I was thinking it was half of what the spouse was getting.

So, I called Social Security Office and was put on hold for over 30 minutes. Ughhhh Once someone came on the line, I asked them what happens when one spouse dies and you both are retired. She said the living spouse gets what ever spouses monthly check amount was the highest. So that confirmed with me that we were making the right decision for us to wait till I am age 70 to start Social Security. We still are deciding on what age Darlene will take hers. We will keep reviewing our Retirement Projection each year to decide what is best for our situation.

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at This is for entertainment only.

Let’s also review how Social Security is figured before talking more about why we like waiting till age 70 to start my Social Security. Listen to the whole Podcast for the whole episode.

We teach the boys to live debt free and especially at Retirement time. We want them to work with a Financial Planner if they don’t feel they have the education to take care of their Retirement Funds. We really hope they will consistently keep educating themselves on Personal Finances and Investing.

We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals..

What age did you start taking Social Security? If you haven’t started yet then what age do you plan on starting at? Why did you choose that age?

Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.

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Sources and Resources from Podcast (Available in Show Notes)

1. Social Security Stats from

2. Social Security Break-even Points

3. Here is a link to go see your Social Security Statement -

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