Are you making the most of the Social Security benefits you’ve spent a lifetime earning?

Social Security is one of the most important and often misunderstood parts of financial planning in the U.S. Whether retirement is years away or just around the corner, claiming benefits without a strategy could cost you tens of thousands over your lifetime.

This comprehensive, listener-friendly guide demystifies Social Security and shows you how to optimize benefits for retirement, disability, and survivor protection. Designed for individuals, couples, self-employed professionals, and families, it gives you the tools to make informed, confident decisions about your financial future.

Inside, you’ll discover:

• How benefits are calculated using work credits, AIME, and PIA

• When to claim: early, full retirement age, or delay until 70

• How spousal, divorced spouse, and survivor benefits work

• What happens if you work while collecting benefits

• How taxes affect benefits and how to reduce them

• Strategies for coordinating Social Security with 401(k), IRA, and pensions

• Essential tips for the self-employed and business owners

• How to apply online, by phone, or in person

• What documents you’ll need and what to expect after applying

• How to avoid costly mistakes

Whether you plan to retire early, work past 65, or protect your family’s future, this book gives you practical tools to take full control of your benefits. Written in clear, jargon-free language, it breaks down complex rules into actionable steps so you can plan with confidence.

Don’t leave your financial future to guesswork. With rising healthcare costs, longer lifespans, and economic uncertainty, understanding Social Security is more critical than ever. This book empowers you to make smart, informed choices and ensure you get every dollar you’ve earned.

Perfect for pre-retirees, current beneficiaries, financial planners, and anyone who wants to secure their future with clarity and confidence.