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Social Security Penalties, Saving on Rollercoaster Income, Keep the Company Stock – Mailbag Episode

It’s the last week of the month, so you know what that means! We’re back with a new mailbag episode. We’ve got some great listener questions lined up for you today, so stick around to see what responses and strategies might apply to your situation and help improve your financial picture.


Here are the questions we answer in this episode:

  • I retired last month and started my state pension and Social Security. I’d like to do some part-time work, but I’ve heard that this can mess up my Social Security. Should I avoid getting a job?
  • I just started a new job, and my base salary is low enough that it would be hard to contribute to a 401k and still pay my bills. Is it okay to just use my commissions for retirement savings?
  • My company makes contributions to my 401k, but they’ll only do it in the form of company stock. I’ve just been selling it immediately and then investing in something else. Any reason I shouldn’t be doing that?


Check out episode 124 here!


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Meet Your Host

Scott Sierens, financial advisor at Sierens Financial Group, will provide thoughts, strategies, and ideas on each episode to help you thrive in life, wealth and retirement. The goal is to take complex financial subjects and make them simple and easy to understand so you can feel confident to take action, enjoy life, and eliminate financial stress and anxiety.

Scott, along with guests from across various industries, will cover topics such as tax savings strategies, investments and wealth management, IRAs, 401(k)s, retirement planning, retirement income strategies, pensions, estate planning, social security, healthcare, and much more.

Retirement isn't an age or number. It's finding the balance between living life today and feeling financially confident about YOUR tomorrow.