Social Security, HSA Strategy, and Cost Basis: Q&A #2520

With Jim away at a conference, Chris is joined by Jake and Jacob to answer listener questions on child- in- care spousal benefits , the Earnings Test , HSA strategy, reconstructing cost basis , and Social Security timing concerns . ( 6: 00) A listener asks whether reaching full retirement age makes him ineligible for child- in- care spousal benefits, and what steps he can take to appeal the denial. ( 21: 30) George questions whether excess earnings prevent payment of family Social Security benefits when the worker’s own benefit is offset ( 34: 00) The guys address how inheritance and medical spending may influence HSA strategy and if it’s possible to overfund an HSA. ( 50: 00) “ Chris and the Jacobs” respond to a couple trying to reconstruct the cost basis of mutual funds purchased in the 1980s without access to their records. ( 1: 02: 15) Georgette wonders if divorce should be considered while deciding when a lower- earning spouse should claim Social Security, as well as whether pre- tax 401( k) contributions reduce reported earnings for benefit calculations. The post Social Security, HSA Strategy, and Cost Basis: Q&A #2520 appeared first on The Retirement and IRA Show .