Nobody at Social Security Is Counting Your Hours. That Is Not the Same as Being Safe.
I wrote recently about the 45-hour rule and what the side-hustle guides leave out: How Self-Employment Can Cost You Social Security Before Full Retirement Age. That piece worked from Social Security’s public pages. This one works from the regulations underneath them. Three things turned up that are true in the primary sources and wrong or […]
How Self-Employment Can Cost You Social Security Before Full Retirement Age
Social Security has a worked example sitting on its own website. It is worth reading before you start anything. A man the agency calls John Smith retires from his job at 62 on June 30, 2026. He has earned $37,000 that year. On October 5 he starts his own business. He works at least 15 […]
What You Can Safely Ask AI About Social Security and Medicare — and What You Should Never Trust It On
Part 1 of a plain-English series on using AI safely for the money decisions that actually matter. Here’s a scene playing out in a lot of homes right now. Someone’s a year or two from claiming Social Security, or trying to pick a Medicare plan, and the paperwork makes their head spin. So they do […]