About this episode

Jim and Chris answer listener questions on various retirement topics including Social Security, withdrawal strategies, and HSAs.

Jim and Chris discuss listener emails on Social Security spousal benefits, portfolio withdrawal strategy for early retirement, HSA and Medicare premiums, the 4% rule, Roth self-employed 401(k)s, Roth conversions, and retirement trusts. (10:45) A listener asks whether her husband claiming Social Security on his own record before she files at 70, including as early as 62, would reduce his eventual spousal benefit, and in what circumstances an earlier filing might make sense for them. (20:45) She also asks how to structure her portfolio to cover a seven-year income gap before Social Security begins and fund a potential home purchase at retirement. (46:15) George and Georgette want to know which Medicare-related costs – IRMAA surcharges, Part D, and supplemental insurance – qualify for HSA reimbursement, and whether they can apply HSA funds retroactively to prior-year premiums. (54:30) The guys address the idea that money reimbursed from an HSA isn’t restricted to medical use, so saving receipts over the years can turn an HSA into a source of tax-free cash for virtually any expense. (1:01:15) A listener compares the 4% rule to Newton’s laws of motion &#8211…

People in this episode

Hosts: Jim Saulnier, Chris Stein

Topics covered

• Social Security
• withdrawal strategy
• HSA
• 4% rule
• Roth accounts
• retirement trusts

Keywords

• Social Security spousal benefits
• portfolio withdrawal strategy
• HSA reimbursement
• 4% rule
• Roth self-employed 401(k)

Mentioned in this episode

Organizations: Fidelity

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