Episode
Ep 422. The "Special Monthly Rule"
- Podcast
- Retire SMART Podcast
- Published
- Jun 4, 2026
- Duration seconds
- 748
- Processing state
not_requested- Canonical source
- https://connect92.podbean.com/e/ep-422-the-special-monthly-rule/
Actions
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Summary
In this episode, David and Jacob unpack a costly Social Security surprise that blindsided one retiree with a $21,000 repayment notice — and explain why claiming benefits too early can create serious tax and income headaches. They break down the little-known earnings limits, the “special monthly rule,” and why police, firefighters, railroad workers, and other early retirees need a proactive strategy before turning on Social Security.