I assume this will NOT apply to your son, but there are income limits, above which you cannot contribute to a ROTH IRAhttps://www.schwab.com/ira/roth-ira/contribution-limits

Part or all of her social security payment will be withheld.  However, that money is not "lost."  When money is withheld from your Social Security checks, your benefit will be recalculated when you turn your full retirement age to give you credit for...

I think that this rule does not apply to you as it is a rule for "people who file for benefits mid-year have already earned more than their yearly earnings limit amount." Since you earn under your limit for the entire year, this would not apply to yo...

You may want to get your social security advice elsewhere.  The GAO found that reps at Social Security are not trained and frequently give incorrect information.https://retirementincome.net/social-security/social-security-office/there are some financ...

I can address a part of your question. Regarding medicare, you can enroll in traditional medicare and then buy a supplemental policy that covers the 20% of costs that medicare does not. To me--this seems like a hassle to have a separate policy.  A me...