In this episode of Retirement for Real, Lena discusses Social Security and how to optimize and maximize its benefits for your retirement!
Topics covered:
- How Social Security is funded and structured
- Electing Social Security benefits early vs. late
- Your Spousal Benefit & Your Survivor Benefit
- Considerations for when to collect
Use this calculator to compute your life expectancy.
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Retirement for Real with Lena Armuth
Keep an eye out for future Retirement for Real podcasts!
Retirement for Real is an investment podcast helping retirees make sensible financial decisions in retirement. Lena Armuth, a former first-grade teacher and current fee-only financial advisor, is your host. Join her to learn all about investing for and in retirement. Nothing fancy. No overly complicated or complex solutions. Just the fundamentals explained in a way that is simple to comprehend.
Lena Armuth

After graduating from the University of Arizona, I joined Teach for America, a nonprofit organization that places college graduates in low-socioeconomic schools across the country. I spent two years teaching first grade in North Las Vegas while earning my master’s degree in education from the University of Nevada, Las Vegas.
I’m on a mission to provide a better investing experience for today’s investors. In March 2021, I joined Sensible Portfolios, a low-fee Registered Investment Advisor (RIA) founded by my father. It’s a family business and we treat our clients like family too.
At Sensible, we follow a few basic rules: Be nice to people, keep investing simple, and don’t charge high advisory fees. I’m passionate about showing investors the negative impact high fees have on reaching their retirement goals.
Connect with Lena
Visit Sensible Portfolios: https://www.sensibleportfolios.com/