In this episode of the Art of Money podcast, Art McPherson and Luke McCarty discuss critical aspects of Social Security and retirement planning. The conversation begins with an explanation of the earnings test for Social Security, highlighting the penalties for working while claiming benefits. The discussion then shifts to the various strategies for maximizing Social Security benefits, including spousal benefits and the complexities involved in claiming them. Finally, the episode delves into the management of 401(k) plans, emphasizing the often-overlooked fees and the importance of understanding one's investment options to ensure a secure retirement.

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