Strategies to enhance Social Security benefits with minimal effort

Social Security benefits are crucial for many retirees, with the average monthly payment at about $1,925 as of November 2024. There are strategies to increase these benefits, including delaying claims until age 70 for larger checks. One option is to apply for spousal or divorce benefits, allowing married individuals or divorced spouses to collect up to 50% of their partner's benefits. Additionally, continuing to work while receiving Social Security can lead to adjusted payments based on earnings, especially if under full retirement age. Contributing to a Roth IRA or Roth 401(k) can help lower tax bills on Social Security benefits. Since contributions to these accounts do not count toward combined income, they may help individuals fall into a lower tax bracket, potentially reducing or eliminating federal taxes on benefits.