Social Security Episodes

Can You Afford to Retire? Retirement is not just about reaching a certain age — it’s about reaching financial readiness. In this episode of The Road to Financial Empowerment, we break down the essential components of retirement planning and help you evaluate whether you are truly prepared for long-term financial stability. Whether you are approaching retirement or already retired, understanding your income sources and financial habits is critical. What You’ll Learn • What retirement plannin...

Why Is Social Security Withholding 50% of Benefits? The Social Security Administration (SSA) has updated its overpayment recovery rules. As of April 25, 2025, the default withholding rate for certain Social Security overpayments has been reduced from 100% to 50% for new Title II overpayment notices. While this is an improvement from a full 100% withholding, losing half of a monthly benefit can still create serious financial strain. This episode explains what changed — and what you should do ...

Can Defaulted Student Loans Reduce Your Social Security? Yes — and many retirees are finding out the hard way. After the pandemic pause ended, federal student loan collections resumed. Through the Treasury Offset Program (TOP), the government can withhold up to 15% of your monthly Social Security benefit. In some cases, that can leave recipients with as little as $750 per month. This episode explains what’s happening — and what you can do immediately to protect your income. What You’ll Lear...