On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what a stronger-than-expected jobs report could mean for Fed rate cuts and your portfolio, break down a potential Social Security tax surprise tied to retroactive benefit payments, examine the pros and cons of trendy “buffered” annuities tied to international markets, warn about gold and AI-driven Ponzi scams, and answer listener questions on retirement spending, Monte Carlo projections, and building tax-smart income flexibility.