Roger Ma, a certified financial planner at lifelaidout® and author of "Work Your Money, Not Your Life," manages money jointly with his spouse. They share the same checking, savings and credit ...

I know spouses who never worked and never contributed are able to receive Social Security payments based on their spouse’s earnings. Answer: If you’ve already started Social Security and he ...

That limit applies to each individual. So, if you and your spouse each have substantial IRAs with big required minimum distributions, you can each reduce them by $108,000, or $216,000 total.