Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks : Q&A #2435

The Retirement and IRA Show

Jim and Chris sit down to discuss listener questions relating to Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks.

(6:30) George hopes Chris can confirm his Social Security math and give some input on when his wife should claim her benefits.

(17:30) A listener looks for clarification on whether his wife can claim her Social Security Benefits early then switch to full spousal benefits when he takes his full benefit.

(25:00) Jim and Chris share a listener’s joke – punny stuff!

(31:00) George asks why an annual SPIA payment ends up being less than monthly payments since the balance should earn more interest if it stays in the account longer.

(42:00) The guys talk about the difference between investing in equities with ETFs for S&P 500 versus total stock market and whether there are advantages to using total stock index.

(1:02:00) A listener wonders if the original open date of his Roth 401k still counts for the 5-year rule now that he’s rolled it over into a Roth IRA, or if the clock has restarted.

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