In this episode, I address listener concerns about the future of Social Security, especially given recent changes under President Trump's administration and the involvement of the Department of Government Efficiency (Doge).

I’ll dive into the current state of Social Security, the potential impact on your benefits, and how you can maximize those benefits moving forward. With solvency concerns looming, I’ll help you better understand what’s at stake and how to make smart decisions for your retirement.

• (0:00) Can Elon Musk and Doge Take Away My Social Security Benefit?
• (1:33) Please rate and review the Retire with Ryan podcast!
• (2:21) What is Doge and how it could impact Social Security
• (3:55) The role of Congress in controlling Social Security
• (5:38) What is the future of Social Security solvency?
• (8:26) Why waiting to collect Social Security could increase your benefits
• (10:20) The earnings limits when collecting Social Security early

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Download my entire book for FREE

www.MorrisseyWealthManagement.com/contact

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In this episode of Retire with Ryan, I’m talking about the growing threat of smishing, a type of phishing scam where fraudulent text messages try to trick you into revealing personal information like your social security number, bank account details, or credit card information. I’ll explain how these scams are targeting individuals like you and share some important tips on how to protect your phone and investment accounts from being compromised. It's crucial to stay informed and secure, and I’m here to help you navigate these risks.

• (0:00) Introduction to smishing and FBI warning
• (0:51) How smishing scams are growing and affecting individuals
• (1:42) Please review the podcast on Apple or Spotify
• (2:41) Real-life examples of smishing attacks Ryan has encountered
• (3:53) Identifying fraudulent links and avoiding them
• (5:56) What to do if you’ve clicked on a fraudulent link
• (7:20) Tips to protect your phone and investment accounts
• (9:53) Signs that your phone has been compromised
• (11:33) Two-factor authentication and securing your accounts

• File a complaint at https://www.ic3.gov/
• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Download my entire book for FREE

www.MorrisseyWealthManagement.com/contact

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Maximizing your retirement plan contributions is one of the most powerful ways I can help you secure your financial future. As we near the end of the first quarter of 2025, it’s the perfect time to review your contributions.

In this episode, I break down how you can ensure you're contributing the maximum allowable amount and why it’s essential to do so. I explain how to calculate your contribution limits based on your salary and pay frequency, so you can easily determine how much you should be setting aside per pay period.

If you haven’t adjusted your contributions for the year, don’t worry—I’ll walk you through how to quickly get back on track to ensure you’re maximizing your retirement plan. By taking action now, you can set yourself up for greater savings down the road.

• (0:00) The importance of maximizing retirement contributions
• (3:21) How to calculate maximum contributions for those under 50
• (6:50) How catch-up contributions for individuals over 50 (and how to maximize these)
• (8:12) A new super catch-up provision for those aged 60-63 under the Secure Act 2.0
• (9:34) Employer matching contributions and how they fit into your total contribution limit
• (12:03) How to convert after-tax contributions to Roth accounts to maximize growth
• (14:55) The advantages of using a taxable brokerage account for additional savings

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Download my entire book for FREE

www.MorrisseyWealthManagement.com/contact

Subscribe to Retire With Ryan