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
Mostrar todos os capítulosVer menos
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
Never Split the DifferenceChris Voss, Tahl Raz8h 7m4.4 (277.7K)$26 · $0.00
The Intelligent Investor Rev Ed.Benjamin Graham17h 48m4.3 (191.5K)$40 · $0.00
The Hard Thing About Hard ThingsBen Horowitz7h 57m4.2 (134.3K)$26 · $0.00
Boundaries for LeadersHenry Cloud7h 36m4.3 (3.6K)$26 · $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
Big TrustShadé Zahrai, Fayçal Sekkouah8h 36m4.6 (406)$26 · $0.00
The Intelligent Investor Third EditionBenjamin Graham, Jason Zweig20h4.4 (156.6K)$46 · $0.00
Bottle of LiesKatherine Eban14h 25m4.4 (12K)$33 · $0.00
The Antiracist Business BookTrudi Lebrón6h 10m4.6 (275)$17 · $0.00
The FormulaJoshua Robinson, Jonathan Clegg10h 41m4.4 (6.9K)$29 · $0.00
Let Them LeadJohn U. Bacon7h 10m4.5 (1.4K)$24 · $0.00
Secrets of the Millionaire MindT. Harv Eker5h 11m4.4 (301.4K)$24 · $0.00
The Person You Mean to BeDolly Chugh9h 6m4.4 (7.2K)$29 · $0.00
BoundlessNick Kostov, Sean McLain9h 17m4.5 (1.1K)$29 · $0.00
Everyday DharmaSuneel Gupta5h 2m4.5 (761)$20 · $0.00
Let's Talk Mutual FundsMonika Halan7h 5m4.4 (2.4K)$16 · $0.00
Secret PowerDwight Lyman Moody3h 7m4.4 (1.4K)$1.20 · $0.00
The Law of Success in Sixteen LessonsNapoleon Hill2h 39m4.4 (17.2K)$2 · $0.00
Barbarians at the GateBryan Burrough, John Helyar3h 3m4.4 (52.7K)$18 · $0.00
Learning to PrayJames Martin13h 24m4.5 (3.4K)$33 · $0.00
The Gospel according to Spiritualism (Translated)Allan Kardec14h 39m4.6 (3.9K)$5.70 · $0.00
Birdie & HarlowTaylor Wolfe7h 50m4.6 (6.5K)$26 · $0.00
CrossroadsKaleb Dahlgren7h 56m4.6 (4.9K)$26 · $0.00
Life on the BridgeKaelynn Partlow5h 40m4.6 (1.1K)$24 · $0.00
Keep Your Love OnDanny Silk9h 4m4.6 (8.1K)$10 · $0.00
The Tao of Joy Every DayDerek Lin10h 24m4.6 (762)$20 · $0.00
UndividedVicky Beeching9h 2m4.6 (1.3K)$29 · $0.00
HE CAN WHO THINKS HE CAN & OTHER BOOKS ON SUCCESSOrison Swett Marden5h 54m4.6 (1.2K)$1.99 · $0.00
Level UpRob Dial7h 42m4.6 (3.3K)$26 · $0.00
Burn the HaystackJennie Young, PhD9h 30m4.6 (543)$29 · $0.00
ACRES OF DIAMONDS: Our Every-day Opportunities (Wisdom & Empowerment Series) (Annotated)Russell Conwell2h 26m4.6 (1K)$2 · $0.00
Good InsideBecky Kennedy9h 55m4.5 (59.3K)$29 · $0.00
The Lost VoiceGreta Morgan8h 30m4.7 (285)$26 · $0.00
Stripped DownBunnie Xo8h 25m4.5 (32.9K)$26 · $0.00
UnthinkableJamie Raskin15h 8m4.5 (9.3K)$8 · $0.00
Wallace D. Wattles Ultimate Collection Wallace D. Wattles16h 53m4.6 (1.3K)$1 · $0.00
Inquire WithinIn-Q2h 18m4.6 (993)$16 · $0.00
Under His WingsEmily Compagno7h 16m4.6 (848)$22 · $0.00
Eat It!Jordan Syatt, Michael Vacanti4h 40m4.6 (1.5K)$20 · $0.00
You may also like
L'AssommoirÉmile Zola16h 59m4.3 (53.4K)$2.30
Harvesting HopeKathleen Krull9m4.4 (2.6K)$1
The JungleUpton Sinclair15h 28m3.9 (184.9K)$1.20 · $0.00
VéraStacy Schiff18h 14m3.9 (1.4K)$28 · $0.00
Preconception and Vaccines Are You Up to DateAurora Brooks1h 4m$3.50 · $0.00
Lace Curtain Cleaning: A Successful Home BusinessSarah Ann Leigh17m$2 · $0.00
Baby Feeding Essentials- Must-Have Items for Every ParentAurora Brooks1h 19m$3.50 · $0.00
How to Create the Perfect Sleep Environment for Your BabyAurora Brooks50m$3.50 · $0.00
Medicaid MazeImad Muratspahic3h 59m$13 · $0.00
DarknessAnton Chekhov9m$2 · $0.00
Surviving the Newborn WeeksImad Muratspahic3h 13m$11 · $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
Essential Newborn Sleep Tips for Exhausted ParentsAurora Brooks49m$3.50 · $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
Move Abroad From the USImad Muratspahic4h 2m$13 · $0.00
Team LukerNell Iris43m4.3 (24)$2 · $0.00