There are a lot of strategies to make tongue-wetting profit that the average joes don't know. . Personally, the financial-market for me seems the only way forward with my long time horizon (accrued roughly $457k in gains since Mid 2021 ) but if you don’t have that fortune of time it’s a tough market out there almost nowhere feels safe!

@BrunoLuke

11 ай бұрын

If you’ve got patience I believe it’s a great time to invest… I’m no expert but as Warren buffet said he’s seen this happen a number of times throughout his life

@MarcusFred-wn3iv

11 ай бұрын

@@BrunoLuke I've known I had wanted to start investing for a few months but just haven't been brave enough to start due to the market so far this year. I have $60k I want to transfer into an S&S ISA but it's hard to bite the bullet and do it. $457 is a huge milestone, Please what's your strategy? I will love to have an insight

@BrunoLuke

11 ай бұрын

@@MarcusFred-wn3iv I began with a fiduciary portfolio advisor by the name MARTHA ALONSO HARA. She’s verifiable and her works ethics is in accordance with the US investment act of 1940. Her approach is transparent allowing total ownership and control over my portfolio with fees very reasonable in comparison with my investment-income. Also, She covers things like investment insurance, making sure retirement is well funded, Go over tax advantages , ways to have a volatility buffer for investment risk. many things like that.

@MarcusFred-wn3iv

11 ай бұрын

@@BrunoLuke Word of the day: fiduciary. do not talk to anyone who is not a fiduciary to you, who explains everything.

@BrunoLuke

11 ай бұрын

@@MarcusFred-wn3iv MARTHA ALONSO HARA really seems to know her stuff. I looked her up on the web using her full name and found her page, read through her resume, educational background, and qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I'll book a session with her

Devin, I have watched so many you tube videos and I got to tell you no body comes close to the information you give in just this video alone! I want to thank you so very much.

As always, great information, and thank you!

Thank you. The added links in the description are great.

Such a great video! You answered my questions and I really appreciate the links.

Thank you for making this video. You made it very clear and easy to understand.

Thank you for this vital information. Really appreciated.

Devin, thanks for always giving us helpful information to navigate Social Security and get our best benefits. I just got off the phone, after waiting 2 hours on hold I might add, to make an appointment to apply for widow's benefits on my husband's earnings. The representative tried to convince me that I will have to choose between my earnings or my husband's because I am 66. I told her 3 times- no, I'm not applying for spousal benefits or my own. I want widow's benefits, Form SSA-10. She finally put me on hold and went and asked somebody. She said I am right. After age 66, it doesn't matter how much I earn. I can file for widow's benefits. And then at age 70, I will file for my own. It pays to educate yourself by listening to people like you!

Thank you for you CLEAR information. As a writer of non-fiction informational articles ( or videos ), it’s important to remember the three Cs of good writing: Have CLARITY, CONCISENESS, and CORRECT INFORMATION. Again, thank you for your work.

Your the best on all info

Thank you sooooooo much for this information.

More useful info, thanks.

I plan on on retirement in October at 62 n a widower disabled since 98 u a big help

Yea

I have scribbled. I love the way you explain thing😅

hank you for your knowledge my name is Marie Galloway i am 70 yrs. air force

Good Info!

Could explain the offset benefits.

Devon, in you linked article you mentioned bank account protection. I have a friend over 65 living entirely on her SSDI payment. She had been previously advised to transfer some of this income into other (same bank) accounts she and her husband had at the time of his death. So she does this in small amounts monthly. Are these other accounts protected too since all the deposit into the main account appears to be protected? Or does this practice need to stop? Thanks.

Question: Do they make a Survivor Benefits Calculator were I key in specific data relative to me that includes entering my Delayed Retirement?

I've only been on disability 1yr and 8 months My husband died 10 16 2016 Not married myself We were married when he died Married 11 yrs

Devin My wife has never worked outside of the home. My question is if she files before her FRB for spousal benefits off my work record will her survivor benefits be for ever reduced?

I wanted to know if I can more defense surveys now I have.a can walk

What about social security disability benefits

Excellent video. Background--I am the older spouse. Married more than 10 years. Neither of us has reached FRA or filed for benefits. Spouse will receive substantially more than me at FRA. Spouse recently passed away. Possible strategy-I file for MY benefit when I turn 65 (and am eligible for Medicare) and then switch to survivor benefit when I reach my FRA. Question-Is this the best strategy? And how does FRA for survivor benefits differ from FRA? And-is there anything else I should consider? Thank You!

Taking survivor benefit at 62.5 or when it reaches 80.5 of late hubby's ss, then switch to mine at 70 to allow it to grow at 130%.

Devin, What is this ‘restriction’ to leave out my benefit when filing for survivors benefits? I went to my local SS office this last Friday to file but, was told that dept. was short handed so I will be called Feb. 3rd to complete the filing. How do I make sure I don’t lose my own benefits should I file after 70 if I would get a higher amount?

I would like to know suviving spouse benefit

How do I find out what my deceased ex spouse full monthly benefit was/is?

what if I have been disabled since 2002 and I was married eighteen yrs? he remarried. Will I be able to draw if he is deceased

17:00 . Taking Survivor benefit at 60 and switching to your own benefit at 70.

I would like information on a child benefit for a deceased young man

Appreciate the information . I do however have a question that I haven't heard you cover . If I'm a military widow and already receive a Survivors benefit from the military , am I still allowed to receive my late spouses survivors benefit from Social Seçurity?

@roncraft2042

Жыл бұрын

Yes

Great video!! Question..my wife was on disability when she passed in 2018. I am 61 and still working. Plan to retire at 62 at which time I will apply for her survivor benefits. I will draw her survivor's benefit until I reach 70. Will I get 71.5 % of her SS before she started receiving disability or 71.5% of her disability amount which is considerably higher?

Can any Layer open a class action against the Social Security and Government unlawful action against the Survivors benefit rights! ?

My husband passed away last month, he was 65 born in 1958, on SSDI. I'm on SS and 65 born in 1958. Every time I look something up I get mixed answers, and all kinds of percentages. I do have an app. with SS.

My girlfriend just found out her estranged husband died in 2016. He had not contacted her all those years. His Mother died afterwards & she owned property. My girlfriend may be entitle to money from the estate. My girlfriend is 65 & receives SSI. Any help you can give me ( because I am better with paperwork & bureaucracy than she is ) would be appreciated.

Great video but one thing I'm still confused about, if I pass away before age 62 would my spouse collect my social security benefit that I would have received when she reaches age 62? Or is the surviving spouse simply out of luck if the person they're married to dies before reaching age 62?

Thank you for vlog! I am 66.5 years old. I was a full time wife most of my life. My husband is 18 years older and have been receiving social security benefits since he was 65. He is not in good health. Infact, his doctor told us he only has 3 years to live. That was 1 year ago when we were told. We have been married for 30 years. Can I collect social security benefits based on his? And knock on wood, he passes away , can I switch to survivor benefits which I heard would be 100% of what he is receiving now? Thanks!

I'm understanding the reduced benefit set at 82.5% of FRA when your late spouse began benefits at 62 - and the surviving spouse claim is at it's maximum at roughly 62.5, depending on birth year, when your reduction is 17.5%. I'm understanding the 100% of FRA when those benefits began at or after FRA. This is when the surviving spouse claims at their FRA. What about the missing middle? My late spouse claimed about 9 months prior to FRA. Roughly 6% reduction. Am I right in presuming that when my reduction is that 6%, my survivor's benefit is at it's max? Somewhere between 62.5 ish and FRA, matching the actual reduction that the late spouse received?

Are u intitled to survivors benefit if ur dead spouse was on SSDI? Not retirement but was over 62 when ssdi was inacted by deceased spouce.

Hello my spouse pass it been since 11 years so can i claim late spouse benefits

What they don't tell you is if you are the spouse and married over 25 years you don't get spouses higher social security if your county, state or federal pension is substantial.

How can I find out of I file on my own social security benefits might be more than my survivors benefit.

What about the 2 year rule after divorce?

I am retired & live in Mexico,my wife is a Mexican citizen, can she receive my benefits after I pass away ?

This is an older video but…here is one on survivor benefits. I was married for ten years so it’s not me. I am watching a few people who are 2nd marriages. Like long term, maybe even 20 years. They know the 1st is dying. They file for divorce on #2 so they can qualify for SS based on #1 survivor benefit rate. I don’t ask if f their plan worked so will ask you. Does it work? Oh and 2 told me they plan to remarry #2 after they go thru the process.

Enjoyed the video and learned a lot. But I have a question about the calculations shown mid-way through (for calculating the monthly reduction %). In step 3, do you divide the number of months (from step 2) by 28.5% or do you divide 28.5% by the number of months? The later method would come up with % reduction per month which is what I think you want.

My husband passed away at age 56and we were married for 35 years. How can I get the full benafits. As of now IVE been getting only a( %)percentage off of my husband

can I receive widows benefits / husband received SSA / SSI from age 36

What if I take my social security at 62 and my husband (much larger than mine). didn’t file and passed away, can I switch from my SS to survivor benefits?

I'm disabled since 2012 and I am 59 my husband died but we have been married for almost 29 years. Am I still eligible to collect his benefits and will it affect my disability?

Is there anyone who can help me figure out at what age for me to file? Thank you.

Just like the IRS tax code.... and just like the small business PPP and EIDL grant/loan rules....is there ANY govt program that is not INCREDIBLY ( and maybe "needlessly" ) complex?...... can't this be simplified to only a handfull of rules?. I am a first-generation American and all my European relatives have all manner of "programs" they are involved with.....and they would fall over in a dead faint if they saw this.....

Question : I am 66. I receive survivor benefits. What happens to my money if I get remarried?

If I file at 62, when I switch to surviving, when I get less, since I filed at 62?

Do they take your check away

If I collect a defined benefit from State of AK Teachers retirement am I allowed to draw on my ex spouse of 27 yrs? I have been told, because my Alaska retirement benefit exceeds the portion I would be eligible for off of him, I CAN NOT draw any SS from him. He paid into SS all of his career, I only paid into SS a minimal amount of time. Please help clarify!

You must ensure you request a RESTRICTION to leave out either your survivor or your record benefit before adjudication of the benefit. If not , all eligible benefits related to your SS number will be included and you will forgo your ability to file for a survivor and then later file for your own . Extremely important!

@marytolley5270

3 жыл бұрын

Can I choose what benefits I want to receive.SSDI or my vetrerans. Oh boy this is getting my husband was disabled from the military and he died on count of the military.

@forgednotcast612

3 жыл бұрын

@@marytolley5270 the Restricted Application is a strategy that I am referring to is for SS Spousal Survivor Benefits. May I recommend a Facebook member forum called Social Security Intelligence . You can join and forward your question to the members.

@marytolley5270

3 жыл бұрын

If I am disabled from COPD and I was in a car and I am totally disabled. He was a veteran and passed away from agent orange small cell lung cancer. So I need to get in touch with a lawer?? OR the VA . I get so much of his benefits from the military and I also get my benefits from SSDI. Please let me know who to contact. I know there's alot of people in the same way.Pepole need to know this.

@debickes3800

2 жыл бұрын

I talked to the social security office on the phone and said I wanted to retire at the age of 62 all the sudden I'm like claiming survivors benefits versus divorce benefits and she said that I may just as much so now I am going to get $760 of mine and 100 of his spousal benefit and I don't understand he was made a lot more money I was a server all my life and he has been working at a high-end job for at least 20 years did I do something wrong or I don't understand please help me

@debickes3800

2 жыл бұрын

PS I was married for 17 yrs and never remarried thank you

I love your videos, very informative and professional I m 72 yrs old married for a second time the second marriage happened only one year ago the previous marriage lasted over 20 years the present spouse IS NOT AN AMERICAN CITIZEN and she is 60 years old can the second spouse qualify for survivor's benefits?? your advice is very much appreciated gus pagoulato

@eucenibalbino8879

2 жыл бұрын

I have the same question.Peease answer.

My husband was supporting his stepdaughter (my daughter) for the past few years and paying for her child support the last 7 years alongside of our the deceased biological 3 year old son. Do you think 🤔 my daughter can still get benefits. I'm applying for her as well.

My ex remarried after 20 years of marriage. I was collecting SSI and was contacted by Social Security & they said I had no choice but to start collecting for his retirement. This confuses me because he's still working. I'm 66 and disabled...Can anyone make sense of this?

Do these rules still apply in 2022

What is the difference between survivor benefirs❤ an widows benefit?

Does WEP affect a spouse's survivor benefits? and if yes by how much? thank you.

Hi sir david..im surviving spouse..my husband died at age 75..im sure he draw already his SSA..he is SSA pensioner..did you think im eligable to get his pension as a surviving spouse as early age..we have no child.. thank you

When my husband died he was on disability getting 2200 a month As told me first I would get this Then they told me that since I took my ss at 66 and 3 mths they looked at what my ss would be at 66and since that would be more than me getting his I was denied his.

What if you inherit money

Where is 573 from

Devin, the typical case is that the wife takes her own benefit at age 62 and her husband takes his at FRA. Her own benefit is more than a spousal benefit. Now years later they are both past FRA and If he then passes away first, my understanding is she will receive his full benefit as long as it is greater than her own benefit. Is this correct?

@SusanMarie3

Жыл бұрын

That’s my question also

I read on ytube that a living spouse can receive SSA(¿¿) Spousal benefits..a percentage, even while their spouse is still living .even if , per say, I am on SSI..Is this fact¿¿ If so, how does one go about applying for this¿¿

What if he was on SSDI when he passed

Im 62 on disability my husband just passed can i draw disability and survival benefits

He was on ssdi.he never got his social security he never filed for his social security. He was watering for full retirement.

Thank You. I enjoyed your video. I have a question. I've been widowed since 1990. My full retirement age, 66 2/mos will be Jan. 2021. I plan on signing up for my spouse's SS., but I've called the SS Office 3 times as was given 3 different amts as to what I will receive. Why doesn't anyone know the right answer? It's been very frustrating and confusing for me. Do I have to go down there and wait in a line for hours to speak to someone that knows what they are talking about? Please help me with this. Ready to pull my hair out.

@eloiselee823

3 жыл бұрын

The SS office closed. Must call someone working from home and make appt. Workers from home have no monitors and say what they know. This may not be correct answer. Get it in writing.

If your parent receiving survivor is deceased, Can her child receive this SSB?

I am 78 years old and receiving full social security benefits. I am married to a Filipina who is leaving in the Philippines with me. Will she be qualified to receive social benefits when I died? She doesn’t have social security number and never been in United States. Please acknowledge and thank you!

My income was higher than my husband’s, We both waited for full retirement, so my benefits were more than his,He passed at 79 years of age, so I did not get his benefits , only mine. We were married for 52 years, So I lost that income. But the expenses are still the same.

@EmilyDme

3 жыл бұрын

Hopefully Biden spouse ss benefit passes as the way it looks they would take 75% of yours and 75% of his and that would be your amount with out exceeding a certain amount. Write to your reps.

@gale3684

2 жыл бұрын

@@EmilyDme Biden promised ss people extra 4200 MONTH, HE LIES AND DOESNT CARE ABOUT AMERICAN PEOPLE, ONLY ILLEGALS

How much can a surviving spouse, age 37, with an 8 yr. Old child, earn before SSA is reduced or eliminated

I am 70 years old and my ex spouse is 71. When he dies how much will I receive from surviors benefits.

Im 62 on disability for 7 years my husband just passed at 75 can I draw my disability and survivor benefits

I will be 63 this year and can draw my ss I was married 20 years to first husband I am remarried for 27 years I was born in 61. I applied for disability they said I have not worked in the last 5 years so I couldn't get SSD I was disabled in 1995 can I get surviver benefits from first husband or draw his SS at 63?

can i be a survivor if i committed a crime

7 years of the death OR 7 years after last payment for being parent in care .so you get 7 years after your child turns 16

I'm 70 retired at age 62. My wife is 62 and still working..My wife has recently served me divorce papers. How would that affect getting the survivors benefit should one of us die.

I don't know where to get help No children involved

If my spouse begins receiving social security 4 months before his FRA, will my survivor’s benefit be permanently reduced to 82.5% of his FRA?

Question: Can someone get survivor benefits and still work a full time job?

X Hubby passed I now get his SS .question is he was married to another person also. So is she also getting his SS?? Is the S S. Being Split between me n her. If she drops over Dead Will I get More $$$??

A married couple are both receiving social security retirement benefits and one of them dies. Is the survivor entitled to receive any of the benefits the deceased spouse received? If social security did not exist, they could have put the money away for themselves, but the government took it from them. If they had not been forced to give it to social security, the couple would have it available to them, and if one dies, the survivor would have it all.

I'd like to hear more about a spouse that receives SSD then passes away. What happens for the surviving spouse. Is it better to wait to take spousal benefits when the surviving spouse turns 67?

@ItsMefromSnuffys

Жыл бұрын

Thank you so much

My husband died at age 64 four months before retirement he was receiving SSDI I’m receiving widow check cause I’m disabled am I entitled to his full retirement

@susanevans5257

3 жыл бұрын

He was disable 7yrs before he died

Yes I'm one of those people I only get 134.00 monthly. Please help me understand I'm almost 62.yrs. Old.I get ssdi.husband died 8yrs.married. that didn't do that that did my amount.not my husband's. Yes we were married when he died in my arms at home.

What about if you are receiving disability for yourself & your husband dies after he retire what are you entitled too...

Thank you very much for this info. I became a widow at 58, my husband was 68 when he died. He collected SS at 62 and I put it all in the bank because he collected a pension. I work full time for health benefits so I put off collecting my widows benefits until I reach my FRA which is 66 1/2 so I can still work full time up to the SS limit. When I do collect my SS I will collect on the survivors benefits only because my husband was getting way more than I would on SS. His 80% because of early collecting is still more than mine would be at 100%. Please tell me if I am correct or not, and feel free to correct me. Thank you. :)

@jazzcatt

4 жыл бұрын

Devin doesn't answer questions on youtube comments. Helping people with these questions is how he makes his living.

I'm a 63 year old woman and I'm drawing survivor benefits. I recently heard that I could sign up for Medicare now instead of waiting until I'm 65. I wanted to find out if that is true.

@markdavis1116

Жыл бұрын

Only if you have been drawing disability for two yrs

I have been disabled since childhood, and have been living on social security survivor from my parents since they died. Can I buy stocks without losing my social security and/or medicare?

@mima4392

2 жыл бұрын

Yes

I was Disabled and they said I was due a Review and I was 54 and they had me to fill out the disability review and then they said I was due a guite a bit of Money and I am able to receive my husband s deceased benefits and told me the amount of money however I have to be penalized for two years they took almost all of it but why didn't they tell me that I was due the benefits

I'm a surviving spouse, so I'm wanting to know. My first 2 kids with my ex spouse marriage lasted 5 years would I be able to collect on his SSI if my late spouses wages was less than ex spouses. Or not at all?

@EmilyDme

3 жыл бұрын

No you have to be married for 10 years your kids might be able to receive something but it sounds like that is even more complicated.

I have some questions. I was married for 27 years my wife was 18 years older than me. When she passed away she was on disability. She was 69 when she passed. I was 51 years old when she passed. I was diagnosed with ALS 2 years ago. I'm on disability now. So can I get my wife's benefits now? I'm 55 now.

@vonniewright4385

3 жыл бұрын

Scott Chastain If you are disabled before age 60 you can get your wife's SSDI now. Talk to Social security about your survivors benefits. If hers was a higher amount than what your getting now then they will give you hers. As long as you haven't remarried.