Audio only
The Social Security & Medicare Money Guide
How to Avoid Costly Penalties, IRMAA & Tax Traps in RetirementBy Edward G. Morrison
Length2h 51m
About this audiobook
You only get to make this decision once, and if you get it wrong, it could cost you over $200,000 in lifetime income. If you're approaching retirement, already retired, or helping aging parents navigate Social Security and Medicare, this is the retirement planning book you need before you file another form or make another claim.
The Social Security & Medicare Money Guide is the retirement income and Medicare planning guide readers are searching for in 2026, a clear, no-jargon roadmap to Social Security claiming strategies, Medicare enrollment deadlines, IRMAA surcharges, and the retirement tax traps most financial advisors don't fully explain. Written in plain English rather than confusing government language, this book walks you through exactly how to protect every dollar you've earned.
Inside, you'll discover:
Why claiming Social Security at 62 could cost you tens of thousands of dollars, and how to calculate your personal break-even age
Spousal and survivor benefit strategies married couples and widows leave unclaimed every year
How the Social Security earnings test actually works, and why it isn't the permanent penalty most retirees fear
Medicare Part A, B, C, and D explained clearly, including Original Medicare vs. Medicare Advantage trade-offs
The Medicare enrollment deadlines that trigger permanent late enrollment penalties, and how to avoid them
What IRMAA is, how it's calculated, and the exact steps to appeal an unfair Medicare surcharge
How Social Security benefits actually get taxed, and the retirement tax trap that catches even careful savers
How required minimum distributions collide with Social Security taxes and Medicare premiums, and how to plan around it
The healthcare costs Medicare doesn't cover, including the truth about long-term care planning
Whether you're deciding when to claim Social Security, choosing between Medicare Advantage and Medigap, trying to avoid an IRMAA surcharge, or simply want a retirement income plan that actually protects your savings from unnecessary taxes and penalties, this book gives you the tools you need in plain, actionable language.
Grounded in real Social Security Administration rules, Medicare regulations, and real retiree stories, not vague generalities, this guide delivers what most retirement books only promise: an honest, practical path to keeping more of the money you worked your whole life to earn.
Don't let one wrong decision cost you a lifetime. Scroll up and grab your copy today.
Audiobook details
GenreBusiness and Economics, Self-Help
Length2 hrs 51 mins
Narrated byListen with 1,000+ voices
FormateBook with Audio
Publish dateSep 9, 2026
LanguageEnglish
Table of contents
1Introduction
2Introduction: The Retirement Decisions You Only Get to Make Once 4
3Chapter 1: The Retirement Money Maze: Why Small Mistakes Cost Big Money 8
4Chapter 2: Social Security 101: How the System Actually Works 12
5Chapter 3: The Claiming Age Decision: Getting the Timing Right 16
Show all chaptersShow less
6Chapter 4: Spousal and Survivor Benefits: Money Couples Leave on the Table 19
7Chapter 5: Working While Claiming: The Earnings Test Trap 22
8Chapter 6: Medicare Basics: Parts A, B, C, and D Explained Plainly 25
9Chapter 8: IRMAA Explained: The Medicare Surcharge Most Retirees Don't See Coming 32
10Chapter 9: Avoiding and Appealing IRMAA: Strategies That Actually Work 35
11Chapter 10: The Tax Trap: How Social Security Gets Taxed 39
12Conclusion: Building a Retirement Income Plan That Protects Every Dollar 50
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