<p>Jim and Chris discuss listener questions on Social Security family maximum and suspending benefits, a listener PSA on IRMAA premiums, a listener PSA on Medicare premiums, a listener PSA on Social Security claiming strategies, Roth contribution rules, and Roth conversion disadvantages.<br data-start="380" data-end="383" />(4:30) George asks how the combined family maximum benefit works when two retirement records are combined to increase the family limit for auxiliary benefits paid to a spouse and two minor children.<br data-start="581" data-end="584" />(16:00) A listener asks what additional factors should be considered when suspending a Social Security benefit at full retirement age and restarting at 70 after previously claiming early.<br data-start="771" data-end="774" />(30:15) The guys share a PSA in which a listener states that IRMAA is a premium rather than a tax because Medicare enrollment is optional.<br data-start="912" data-end="915" />(37:45) Georgette shares her objections to Chris describing the base Medicare premium as “free” and explains why she feels that is misleading.<br data-start="1069" data-end="1072" />(44:30) A listener offers a couple of PSAs, first sharing their thoughts on Nokbox, then sharing an article on a Social Security claiming strategy they believe could help people concerned about sequence of returns.<br data-start="1245" data-end="1248" />(51:00) The guys answer a question about how a 529-to-Roth IRA transfer affects the annual Roth contribution limit when part of the rollover is gains.<br data-start="1398" data-end="1401" />(56:30) Jim and Chris address what disadvantages exist when choosing a Roth conversion instead of a non-RMD IRA withdrawal when both would be taxable.</p>
<p>Show Notes:<br />
<a href="https://www.thenokbox.com/" target="_blank" rel="noopener">NokBox</a></p>
<p><a href="https://www.fidelity.com/learning-center/personal-finance/retirement/readjust-your-claiming-strategy" target="_blank" rel="noopener">Social Security | Readjust your claiming strategy | Fidelity</a></p>
<p>The post <a href="https://www.theretirementandirashow.com/podcast/social-security-medicare-roth-contribution-rules-conversions-qa-2549/">Social Security, IRMAA, Medicare, Roth Contribution Rules, Roth Conversions: Q&A #2549</a> appeared first on <a href="https://www.theretirementandirashow.com">The Retirement and IRA Show</a>.</p>
