Audio only
The Social Security Money Code for Couples
How to Claim Together and Maximize Lifetime Benefits by $100,000+By Edward G. Morrison
Length3h 9m
About this audiobook
You and your spouse only get to make this decision once, and if you claim separately instead of together, it could cost your household over $100,000 in lifetime income. If you're a married couple approaching retirement, already retired, or trying to figure out when each of you should file for Social Security, this is the couples' retirement planning guide you need before either of you submits an application.
The Social Security Money Code for Couples is the Social Security claiming strategy and retirement income guide married couples are searching for in 2026, a clear, step-by-step roadmap to coordinating spousal benefits, survivor benefits, and claiming ages so your household keeps every dollar you're entitled to. Written specifically for two-income and single-income households alike, this book shows you exactly why claiming Social Security as a couple requires a completely different strategy than claiming as an individual.
Inside, you'll discover:
Why the higher earner's claiming age affects both spouses, not just one, and why that decision deserves the most scrutiny
How to know if you qualify for a bigger spousal benefit through your husband or wife's earnings record
The "claim now, claim more later" survivor benefit strategy widows and widowers rarely learn about
How filing order can unlock or accidentally block thousands of dollars in spousal benefits
Rules for divorced, remarried, and blended families that most retirement guides skip entirely
How to bridge the income gap between retirement and your optimal claiming age without derailing your strategy
How your combined claiming decisions affect Social Security taxes and Medicare's IRMAA surcharge
Four real-world couples' scenarios with the actual break-even math for each
Whether you're deciding which spouse should claim first, trying to maximize your survivor benefit, navigating a second marriage, or simply want a coordinated household strategy instead of two separate guesses, this book gives you the tools you need in plain, actionable language.
Grounded in real Social Security Administration rules and real couples' stories, not vague generalities, this guide delivers what most retirement books only promise: an honest, practical path to claiming Social Security as a team and protecting six figures of lifetime household income.
Don't let two uncoordinated decisions cost you what one smart strategy could save. Scroll up and grab your copy today.
Audiobook details
GenreBusiness and Economics, Self-Help
Length3 hrs 9 mins
Narrated byListen with 1,000+ voices
FormateBook with Audio
Publish dateSep 10, 2026
LanguageEnglish
Table of contents
1Introduction
2Introduction: Why Two Claiming Decisions Are Really One 5
3Chapter 1: The Couples' Mistake That Costs Six Figures 9
4Chapter 2: Know Your Numbers Before You Know Your Strategy 13
5Chapter 3: The Higher Earner's Decision Carries the Household 16
Show all chaptersShow less
6Chapter 4: Spousal Benefits: The Money Half of Couples Never Claim 20
7Chapter 5: Survivor Benefits: Protecting Whoever Is Left Behind 24
8Chapter 6: Divorced? Remarried? Widowed? The Rules That Still Apply to You 28
9Chapter 7: The Working Couple's Earnings Test Playbook 32
10Chapter 8: Building Your Household Claiming Timeline 36
11Chapter 9: Bridging the Gap Between Retirement and Full Benefits 40
12Chapter 10: The Tax Side of Your Claiming Strategy 43
13Chapter 11: Medicare, IRMAA, and How They Intersect With Your Strategy 46
14Chapter 12: Health, Longevity, and the Honest Conversation Couples Skip 49
15Chapter 13: Common Couples' Claiming Strategies Compared 52
16Chapter 14: Locking In Your Plan and Avoiding Costly Reversals 55
17Conclusion: The $100,000 Decision You Make Together 58
More from Edward G. Morrison
AretéBrian Johnson19h 57m4.7 (2.2K)$35
Testtrainer Logisches DenkenGRETA CRENSHAW10h 11m4.8 (121)$12.50 · $0.00
Level UpRob Dial7h 42m4.6 (3.3K)$26 · $0.00
Hal Moore on LeadershipHarold G. Moore, Mike Guardia5h 6m4.6 (2.7K)$17
Basic Economics, Fifth EditionThomas Sowell28h 6m4.5 (30.1K)$40
The Goals ProgramZig Ziglar4h 34m4.6 (2.3K)$20
The Stocks & ETF Compass: A Guide to Wealth, High Standard of Living, and Secure Retirement through Intelligent Investment in the Stock Market and Passive Income – Including Starter GuideJens Hattermann4h 9m4.9 (41)$20 · $0.00
Eat It!Jordan Syatt, Michael Vacanti4h 40m4.6 (1.5K)$20 · $0.00
Progress and Poverty, Volumes I and II (Annotated)Henry George19h 21m4.6 (574)$1.99 · $0.00
Not Everything Counts but Everything Matters: The powerful and inspirational new book about leadership and achieving success from the visionary multi-premiership winning Panthers coachIvan Cleary6h 1m4.6 (680)$24 · $0.00
Leads MachineFrancis Rodino6h 30m4.9 (39)$27 · $0.00
BuildTony Fadell11h 5m4.5 (14.3K)$8 · $0.00
The Joys Of CompoundingGautam Baid17h 34m4.5 (2.5K)$18 · $0.00
The Entrepreneur Roller CoasterDarren Hardy7h 8m4.5 (5.2K)$17
Poor Charlie’s AlmanackGrover Gardener, Charles T. Munger13h 9m4.5 (24.7K)$18 · $0.00
The Ambuja StoryNarotam Sekhsaria13h 59m4.5 (830)$33 · $0.00
Military Culture ShiftCorie Weathers13h 13m4.7 (120)$25 · $0.00
The Secret Door to SuccessFlorence Scovel Shinn2h 25m4.5 (2.1K)$1.20 · $0.00
This Is Going to HurtAdam Kay5h 47m4.4 (444.7K)$24 · $0.00
Saving Social CareNeil Eastwood4h 54m4.6 (190)$18 · $0.00
Rewrite the Mother CodeDr. Gertrude Lyons10h 55m4.9 (144)$25
The Best of Les Brown Audio CollectionLes Brown8h 12m4.7 (1.8K)$65
Swayam Ki AwaazPrem Rawat8h 34m4.7 (1.1K)$26 · $0.00
Finding Your VoiceMannette Morgan8h 10m4.8 (187)$20
Forever BoyKate Swenson9h 27m4.7 (5K)$29 · $0.00
You Are Worth ItKyle Carpenter, Don Yaeger8h 53m4.7 (4.8K)$29 · $0.00
The Happiest Man on EarthEddie Jaku3h 48m4.6 (178K)$7 · $0.00
Finding MeViola Davis9h 15m4.6 (256.4K)$29 · $0.00
AretéBrian Johnson19h 57m4.7 (2.2K)$35
Spiritual AnatomyDaaji Kamlesh D. Patel9h 47m4.7 (319)$29 · $0.00
The Dangerous Truth about Today’s MarijuanaLaura Stack CSP, MBA9h 57m4.7 (384)$20 · $0.00
Birdie & HarlowTaylor Wolfe7h 50m4.6 (6.5K)$26 · $0.00
Ghetto BastardK’wan7h 37m4.6 (2.9K)$20
Legally YoursManasi Chaudhari8h 52m4.7 (223)$29 · $0.00
CrossroadsKaleb Dahlgren7h 56m4.6 (4.9K)$26 · $0.00
Life on the BridgeKaelynn Partlow5h 40m4.6 (1.1K)$24 · $0.00
From Questioning to KnowingLisa Barnett5h 34m4.7 (244)$17
Keep Your Love OnDanny Silk9h 4m4.6 (8.1K)$10 · $0.00
The Manifestation CodeRaimon Samsó5h 54m4.7 (655)$18
Parents And ChildrenCharlotte M. Mason13h 8m4.6 (1K)$2.30
You may also like
L'AssommoirÉmile Zola16h 59m4.3 (53.4K)$2.30
Harvesting HopeKathleen Krull9m4.4 (2.6K)$1
VéraStacy Schiff18h 14m3.9 (1.4K)$28 · $0.00
Giants in the EarthOle Edvart Rølvaag19h 36m4.1 (11.5K)$34 · $0.00
Ali's Well That Ends WellAli Wentworth4h 2m3.9 (3.2K)$20 · $0.00
What to Do When You’re Having TwoNatalie Diaz7h 15m4.1 (2.5K)$20
Beyond the High Blue AirLu Spinney8h 10m4.4 (411)$20
Bunner SistersEdith Wharton3h 28m3.9 (3.3K)$15
As I Lay Dying (Annotated)William Faulkner7h 38m4.2 (1.6K)$1.99 · $0.00
Lace Curtain Cleaning: A Successful Home BusinessSarah Ann Leigh17m$2 · $0.00
DarknessAnton Chekhov9m$2 · $0.00
Uncle Tom's Cabin & The Key (Annotated)Harriet Beecher Stowe47h 36m$2 · $0.00
A Plain Cookery Book for the Working ClassesCharles Elmé Francatelli3h3.3 (155)$1 · $0.00
Money 911: Saving and InvestingJean Chatzky1h 8m3.8 (293)$13 · $0.00
Vain FortuneGeorge Moore5h 50m3.9 (10)$2 · $0.00
Everyday WarGreta Lynn Uehling7h 57m4.0 (19)$20
Money 911: InsuranceJean Chatzky1h 24m$16 · $0.00
Team LukerNell Iris43m4.3 (24)$2 · $0.00
How Men Have BabiesAlan Thicke2h 51m3.3 (46)$15 · $0.00
Tommy TattersAnonymous4m$2 · $0.00