Social Security benefits make up a big part of a majority of seniors’ incomes. In fact, according to the Social Security Administration (SSA), 64 percent of “aged beneficiaries” received at least half of their income from Social Security in 2013. Whether you’re still decades away from joining these retirees or have already collected your final paycheck, here are a few ways to increase those benefits.

Most workers expect to receive Social Security benefits when they retire—and if they’ve earned at least 40 Social Security credits during their career, they will. What they may not expect is the additional benefit their spouse can receive as a result. Consider these often surprising facts about the lesser-known social security spousal benefit program.

We’re a full month into the New Year and many of us are already losing interest in the goals we set 30 days ago. Skipping the occasional yoga class or spending an afternoon or two binge watching Netflix is unlikely to really hurt you in the long run. However, ditching the financial promises you made to yourself as 2015 became 2016 just might.

As numerous greeting cards have proclaimed, for many Americans life really begins at retirement. Without a boss expecting you to punch a time clock five days a week, you’ll suddenly discover hours that you didn’t know you had. You’ll find time to travel, relax, enjoy your favorite activity (yes, napping counts) and spend more time with the people you love. At least that’s the way it’s supposed to work—if you avoid these financial missteps when preparing for your golden years.

On December 28th, 2015, the IRS issued Notice 2016-4 to delay the due dates for filing and furnishing forms under Section 6055 and 6056.