On this episode of Our 2 Cents, Steve and Gabriel discuss various financial topics, including new work benefits that employers may offer, how Social Security is taxed, and if it's possible to pay zero taxes on your benefits. They also address a couple great listener questions at the end.

1. New Workplace Benefits to Help Increase Savings in 2024:
   • Making student loan payments could help boost your 401(k).
   • Accessing 401(k) money for emergencies.
   • A 401(k) match for building emergency savings.
   • Lowering the bar for 401(k) participation.
2. Strategies to Pay Zero Taxes on Social Security:
   • Just how is Social Security taxed to begin with?
   • How contributions to certain IRA or HSA accounts can help.
   • Implementing additional tax planning strategies can also help lower your taxable income.
3. Listener Questions:
   • "Gabe, Steve, I recently retired a few weeks ago and I'm feeling very uncomfortable living on income from my investments. I'm considering going back to work. Is that a normal reaction?" - Joyce
   • "The majority of my 401(k) is invested in company stock. I know that I am not diversified but I am very confident in my company's future. I am wondering if that is okay?" - Danielle