Sign-In
Cart
Social Security Decisions Made Simple: The Plain-English Guide to When to Claim, How to Maximize Your Spousal and Survivor Benefits, Avoid Costly Mist
Paperback
Personal FinanceGeneral Political Science
Currently unavailable to order
Please enter your email and a message will be sent to you when this product becomes available on our website.
Publisher: Independently Published
Pages: 116
Weight: 0.36
Height: 0.28 Width: 6.00 Depth: 9.00
Language: English
You get one shot at most Social Security decisions. This book helps you get them right.
Claiming at the wrong age can cost you tens of thousands of dollars over your retirement - permanently. Yet most people make the decision on a hunch, a neighbor's advice, or simply the first age they're eligible. There's a better way, and it isn't complicated.
Social Security Decisions Made Simple cuts through the jargon and the 400-page textbooks and focuses on the handful of choices that actually matter - explained in plain English, with current 2026 figures, by a financial educator who teaches this to people approaching retirement.
Inside, you'll learn how to:
- Decide when to claim - what age 62 really costs, what waiting until 70 really buys, and how to weigh it for your own health, savings, and situation
- Coordinate spousal and survivor benefits as a couple - including the single most important move that protects whoever lives longer
- Understand the earnings test if you keep working (and why withheld benefits aren't lost)
- Keep more of your benefit by understanding how Social Security is taxed
- Navigate the 2025 Social Security Fairness Act if you have a government pension (WEP and GPO were repealed)
- File correctly, coordinate with Medicare at 65, and avoid the costly, irreversible mistakes
This isn't a book that tells you what to do - the right answer depends on your situation, and anyone who promises one answer for everyone is selling something. Instead, it gives you a clear, decision-by-decision framework so you can make the call with your eyes open. It even comes with a free companion calculator so you can run your own numbers in minutes.
If you're between 55 and 70 and want to make your Social Security decisions with confidence instead of guesswork, start here.
Published by Confluence Media Group LLC, an independent publisher of educational financial content. Educational and informational only - not personalized financial, tax, or legal advice.
Also from
Clark, Thomas
C. Sallustii Crispi Opera: Adapted to the Hamiltonian System by a Literal and Analytical Translation
Sallust, Thomas
Hamilton, James
Clark, Thomas
Paperback
Practical Directions for the Management of Honey Bees, Upon an Improved and Humane Plan, by Which the Lives of Bees May Be Preserved, and Abundance of
Nutt, Thomas
Clark, Thomas
Paperback
C. Sallustii Crispi Opera: Adapted to the Hamiltonian System by a Literal and Analytical Translation
Sallust, Thomas
Hamilton, James
Clark, Thomas
Hardcover
Naval History Of The United States: From The Commencement Of The Revolutionary War To The Present Time; Volume 2
Clark, Thomas
Paperback
Illustrations Of The Scenery On The Line Of The Whitby And Pickering Railway, In The North Eastern Part Of Yorkshire
Belcher, Henry
Clark, Thomas
Paperback
Illustrations Of The Scenery On The Line Of The Whitby And Pickering Railway, In The North Eastern Part Of Yorkshire
Belcher, Henry
Clark, Thomas
Hardcover
Practical Directions for the Management of Honey Bees, Upon an Improved and Humane Plan, by Which the Lives of Bees may be Preserved, and Abundance of
Nutt, Thomas
Clark, Thomas
Hardcover
Also in
Personal Finance
How to Invest $50-$5,000: The Small Investor's Step-By-Step Plan for Low-Risk Investing in Today's Economy
Dunnan, Nancy
Paperback
Planet Money: A Guide to the Economic Forces That Shape Your Life
Mayyasi, Alex
Hosts of Npr's Planet Money
Hardcover
Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century
Hill, Napoleon
Paperback
How to Be a Rich Old Lady: Your Guide to Easy Investing, Building Wealth, and Creating the Wild, Beautiful Life You Want
Holden, Amanda
Hardcover
Money Unlocked: How to Make It, Keep It and Multiply It: The New York Times Bestseller
Lee, John
Paperback
Rich Dad Poor Dad: What the Rich Teach Their Kids about Money That the Poor and Middle Class Do Not!
Kiyosaki, Robert T.
Paperback
The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life
Collins, J. L.
Hardcover
The Millionaire Next Door: The Surprising Secrets of America's Wealthy
Danko, William D., PH. D.
Stanley, Thomas J., PH. D.
Paperback
The Retire Sooner Method: The 5 Secrets Behind America's Happiest (and Unhappiest) Retirees
Moss, Wes
Hardcover
I Will Teach You to Be Rich: No Guilt. No Excuses. Just a 6-Week Program That Works (Second Edition)
Sethi, Ramit
Paperback
Rich Dad Poor Dad: What the Rich Teach Their Kids about Money That the Poor and Middle Class Do Not!
Kiyosaki, Robert T.
Paperback
The Forever Paycheck: The New Retirement Strategy to Spend More, Worry Less, and Never Run Out of Money
Chatzky, Jean
Hardcover
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
Ramsey, Dave
Hardcover
J.K. Lasser's Your Income Tax 2026: For Preparing Your 2025 Tax Return
J K Lasser Institute
Paperback
Social Security, Medicare & Government Pensions: Get the Most Out of Your Retirement and Medical Benefits
Matthews, Joseph
Paperback
How to Get Rich in American History: 300 Years of Financial Advice That Worked (& Didn't)
Moore Phd, Joseph S.
Hardcover
Nolo's Guide to Social Security Disability: Getting & Keeping Your Benefits
Morton III, David A.
Paperback
The Wisdom and Wealth Solution: Unlocking the Secrets of Happiness, Purpose, and Financial Security with Living360
Ansari, Feroz
Hardcover
Medicare 101: From Your Initial Enrollment Period to Parts A, B, C, and D, an Essential Primer on the Government Healthcare Program
Lankford, Kimberly
Hardcover
J.K. Lasser's Your Income Tax 2027: For Preparing Your 2026 Tax Return
J K Lasser Institute
Paperback
The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime!
DeMarco, M. J.
Paperback
Stop Living Paycheck to Paycheck: The Proven Path to Break Free from Debt, Build Real Wealth, and Live Free on Any Income
O'Neal, Anthony
Hardcover
How to Invest in Gold and Silver: A Complete Guide with a Focus on Mining Stocks
Durrett, Don
Paperback
The Joy of Money: How to Do More with and Feel Better about Your Money--No Matter How Much You Have
Grimes, Carrie Joy
Hardcover
Always Have Enough: How to Build Wealth When You Don't Come from Money--Featuring a 6-Week Kickstart Plan
Melchor, Maria
Hardcover
My Parents Are Dead: What Now?: A Panic-Free Guide to the Practicalities of Death
Robison, Becky
Paperback
The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns
Bogle, John C.
Hardcover
A Random Walk Down Wall Street: The Best Investment Guide That Money Can Buy
Malkiel, Burton G.
Paperback
Financial Feminist: Overcome the Patriarchy's Bullsh*t to Master Your Money and Build a Life You Love
Dunlap, Tori
Hardcover
The Automatic Millionaire, 20th Anniversary Edition: A Powerful One-Step Plan to Live and Finish Rich
Bach, David
Hardcover
The Art of Frugal Hedonism: A Guide to Spending Less While Enjoying Everything More
Grubb, Adam
Raser-Rowland, Annie
Paperback
The Making of a Permabear: The Perils of Long-Term Investing in a Short-Term World
Grantham, Jeremy
Hardcover
La Psicología del Dinero: 18 Claves Imperecederas Sobre Riqueza Y Felicidad / The Psychology of Money
Housel, Morgan
Paperback
The Total Money Makeover Updated and Expanded: A Proven Plan for Financial Peace
Ramsey, Dave
Hardcover
A Beginner's Guide to the Stock Market: Everything You Need to Start Making Money Today
Kratter, Matthew R.
Paperback
How to Write a Winning Scholarship Essay: 30 Essays That Won Over $3 Million in Scholarships
Tanabe, Kelly
Tanabe, Gen
Paperback
The Intelligent Investor Third Edition: The Definitive Book on Value Investing
Zweig, Jason
Graham, Benjamin
Paperback
Trading: Technical Analysis Masterclass: Master the financial markets
Czubatinski, Moritz
Schlotmann, Rolf
Paperback
The Trustee's Legal Companion: A Step-By-Step Guide to Administering a Living Trust
Zolla, Carol Elias
Buckley, Shaila
Hanks, Liza
Paperback
Parent Like a Millionaire (Without Being One): Outsmart Big Baby, Save on Childcare, and Secure Your Family's Financial Future
Shen, Kristy
Leung, Bryce
Paperback
How to Make Money in Stocks: A Winning System in Good Times and Bad, Fourth Edition
O'Neil, William J.
Paperback
A Happy Pocket Full of Money, Expanded Study Edition: Infinite Wealth and Abundance in the Here and Now
Gikandi, David Cameron
Paperback
Generation F*cked: How Millennials and Gen Z Were Robbed of the American Dream and How We Can Fix Our Futures
Smith, Freddie
Paperback
What No One Tells You about Money: The Real Key to Getting Unstuck from Someone Who's Been There
Warshaw, Jade
Hardcover
El Inversor Inteligente: Un Libro de Asesoramiento Práctico = The Intelligent Investor
Graham, Benjamin
Paperback
Think and Grow Rich(r): The Original, an Official Publication of the Napoleon Hill Foundation(r)
Hill, Napoleon
Paperback
The Coffee Can Investor: A Stock-Picker's Journey to Build Generational Wealth
Khemlani, Neeraj
Hardcover
Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success
Pfau, Wade
Paperback
The Richest Man in Babylon: The Success Secrets of the Ancients--The Most Inspiring Book on Wealth Ever Written
Clason, George S.
Paperback
The Intelligent Investor, 3rd Ed.: The Definitive Book on Value Investing
Zweig, Jason
Graham, Benjamin
Hardcover
The Investor's Odyssey: Resisting the Sirens and Playing the Long Game
Mayer, Christopher W.
Hardcover
Money for Couples: No More Stress. No More Fights. Just a 10-Step Plan to Create Your Rich Life Together.
Sethi, Ramit
Paperback
One Up on Wall Street: How to Use What You Already Know to Make Money in the Market
Lynch, Peter
Paperback
Friends That Invest: Your Guide to Financial Independence Through Shares and Stocks
Kaur, Simran
Paperback
Your Retirement Sketchbook: 125 Retirement Planning Lessons from Financial Experts
Treichel, Bonnie
Hopkins, Jamie P.
Paperback
Iras, 401(k)S & Other Retirement Plans: Strategies for Taking Your Money Out
Slesnick, Twila
Shea, Tracy
Paperback
Quality Investing: Owning the Best Companies for the Long Term
Eide, Torkell T.
Hargreaves, Patrick
Cunningham, Lawrence a.
Hardcover
Understanding Living Trusts(R): How You Can Avoid Probate, Keep Control, Save Taxes, and Enjoy Peace of Mind
Schumacher, Vickie
Paperback
J.K. Lasser's 1001 Deductions and Tax Breaks 2026: Your Complete Guide to Everything Deductible
Weltman, Barbara
Paperback
Trading in the Zone: Master the Market with Confidence, Discipline, and a Winning Attitude
Douglas, Mark
Hardcover
Get Good with Money: 10 Simple Steps to Becoming Financially Whole
Tiffany the Budgetnista Aliche
Paperback
The Complete Turtletrader: How 23 Novice Investors Became Overnight Millionaires
Covel, Michael W.
Paperback
Baby Steps Millionaires: How Ordinary People Built Extraordinary Wealth--And How You Can Too
Ramsey, Dave
Hardcover
Hide Your Assets and Disappear: A Step-By-Step Guide to Vanishing Without a Trace
Pankau, Edmund
Paperback
The New Money Strategy: The Modern Guide to Rational, Long-Term Investing
Van Der Kolk, Brandon
Hardcover
Money Proud: The Queer Guide to Generate Wealth, Slay Debt, and Build Good Habits to Secure Your Future
Wolny, Nick
Hardcover
Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018
Dominguez, Joe
Robin, Vicki
Paperback
Get Good with Money: Ten Simple Steps to Becoming Financially Whole
Tiffany the Budgetnista Aliche
Hardcover
Rich Family Smart Family: Raise Your Family's Financial IQ and Take Control of Your Future
Kiyosaki, Robert
Paperback
The Millionaire Next Door: The Surprising Secrets of America's Wealthy
Stanley, Thomas J.
Danko, William D.
Hardcover
Worthy of the Gift: Equipping Your Organization to Secure a Transformational Gift
Taylor, Bryan
Paperback
Profitable Properties: Airbnb Insider Secrets to Find, Optimize, Price, & Book Direct any Short-Term Rental Investment for Year-Round Occupancy
Rusteen, Daniel Vroman
Paperback
Investing 101: From Stocks and Bonds to Etfs and Ipos, an Essential Primer on Building a Profitable Portfolio
Cagan, Michele
Hardcover
The Infographic Guide to Personal Finance: A Visual Reference for Everything You Need to Know
Lariviere, Elisabeth
Cagan, Michele
Paperback
Cultura and Cash: Lessons from the First Gen Mentor for Managing Finances and Cultural Expectations
González, Giovanna
Paperback
SEVENTEEN TO MILLIONAIRE You're Seventeen. You're Canadian. You wanna be rich. Let's do this.
Price, Douglas
Paperback
The Most Important Thing Illuminated: Uncommon Sense for the Thoughtful Investor
Marks, Howard
Hardcover
J.K. Lasser's Small Business Taxes 2026: Your Complete Guide to a Better Bottom Line
Weltman, Barbara
Paperback
Stop Making Stupid Investments: 7 Rules to Avoid the Hype and Build Real Wealth
Leiter, David
Hardcover
Special Needs Trusts: Protect Your Child's Financial Future
Urbatsch, Kevin
Farinas Jones, Jessica
Paperback
The Richest Man in Babylon - The Original 1926 Classic (Reader's Library Classics)
Clason, George S.
Paperback
The Black Girl's Guide to Financial Freedom: Build Wealth, Retire Early, and Live the Life of Your Dreams
Woods, Paris
Paperback
Trade Like a Stock Market Wizard: How to Achieve Superperformance in Stocks in Any Market
Minervini, Mark
Hardcover
Every Californian's Guide to Estate Planning: Wills, Trust & Everything Else
Hanks, Liza W.
Paperback
Why a Students Work for C Students and Why B Students Work for the Government: Rich Dad's Guide to Financial Education for Parents
Kiyosaki, Robert T.
Paperback
The Tax and Legal Playbook: Game-Changing Solutions to Your Small Business Questions
Kohler, Mark
Paperback
Fixed: Why Personal Finance Is Broken and How to Make It Work for Everyone
Ramadorai, Tarun
Campbell, John Y.
Hardcover
El Millonario Automático / The Automatic Millionaire: Un Plan Poderoso Y Sencillo Para Vivir Y Acabar Rico
Bach, David
Paperback
Cloud Finops: Collaborative, Real-Time Cloud Value Decision Making
Storment, J. R.
Fuller, Mike
Paperback
Retirement Bites: A Gen X Guide to Securing Your Financial Future
Hannon, Kerry
Herron, Janna
Hardcover
Layered Money: From Gold and Dollars to Bitcoin and Central Bank Digital Currencies
Bhatia, Nik
Paperback
Money and Me: How to Make Your Finances Work Harder for You and Your Family
Clements, Jonathan
Paperback
Solve Your Money Troubles: Strategies to Get Out of Debt and Stay That Way
Loftsgordon, Amy
O'Neill, Cara
Paperback
Money Together: How to Find Fairness in Your Relationship and Become an Unstoppable Financial Team
Boneparth, Douglas
Boneparth, Heather
Hardcover
Choose FI: Your Blueprint to Financial Independence
Mendonsa, Jonathan
Mamula, Chris
Barrett, Brad
Paperback
Main Street Millionaire: How to Make Extraordinary Wealth Buying Ordinary Businesses
Sanchez, Codie
Hardcover
La Transformación Total de Su Dinero Actualizada Y Ampliada: Un Plan Efectivo Para Alcanzar Paz Financiera
Ramsey, Dave
Paperback