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Are you making the most of the Social Security benefits you’ve spent a lifetime earning? Social Security is one of the most important and often misunderstood parts of financial planning in the U.S. Whether retirement is years away or just around the corner, claiming benefits without a strategy could cost you tens of thousands over your lifetime. This comprehensive, listener-friendly guide demystifies Social Security and shows you how to optimize benefits for retirement, disability, and survivor protection.

Steve Grant was laid off in March of 2020. He was fifty and had cancer, so he needed health insurance, fast. Which is how he found himself a rural letter carrier in Appalachia, back in his old hometown. Suddenly, he was the guy with the goods, delivering dog food and respirators and lube and heirloom tomato seeds and Lord of the Rings replica swords. He transported chicken feed to grandmothers living alone in the mountains and forded a creek with a refrigerator on his back. But while he carried the mail, he also carried a whole lot more than just the mail.