Social Security is a complex system that impacts nearly everyone’s financial future. Despite its importance, there’s a lot that the average person doesn’t know or understand about it. Today we’re going to explore some of these lesser-known facts so that you can make the most informed decisions for your financial future.

Here’s some of what we discuss in today’s show:

• What are work credits, and how do they impact Social Security benefits?
• How do spousal benefits work, and can non-working spouses receive benefits?
• Former spouses who were married for at least 10 years may be eligible to claim benefits based on their ex-spouse's earnings.
• What is the earnings test, and how can it affect early Social Security withdrawal?
• Your Social Security benefits can be garnished by the federal government.

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