YMYW listener Alan feels that there are two unspoken assumptions that many different podcasters make when it comes to claiming Social Security benefits. Joe and Big Al spitball on those assumptions, along with safe retirement withdrawal rates before and after Social Security and pension for Rick and Jen, and a thrift savings plan (TSP) and Social Security retirement strategy for Theresa. Plus, Mark and his wife are semi-retired at 51 and 44. Are they going to run out of money? Where should Mary be saving for retirement, and how should she handle large Roth conversions before required minimum distributions (RMDs) kick in? Timestamps: 00:45 - Unspoken Assumptions About Collecting Social Security? (Alan, Daufuskie Island, SC) 09:38 - Safe Withdrawal Rates Before and After Social Security & Pension (Rick & Jen, Atwater, OH) 19:25 - Thrift Savings Plan and Social Security Retirement Strategy (“Theresa”) 29:28 - Retirement Spitball: Will We Run Out of Money? (Mark, St. George, UT) 37:37 - Where to Save for Retirement and Roth Conversions Prior to RMDs? (Mary, small town Indiana) 47:54 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-437  Social Security Handbook Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis