If you are married, Social Security is even more complex. The reason is that married couples have at least five benefits that they must optimize. And each benefit can have a different set of complex rules.

For example, many believe that the Social Security spousal benefit is always 50% of their partners retirement benefit.  And a good number of these people are shocked to find that they actually received only 35% of what they could have gotten had they understood the rules.

Watching this lesson’s ten-minute video is critically important for married couples who want to maximize all of the benefits they are eligible to receive.