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good morning ladies and gentlemen welcome to this episode about social security and the three things you need to avoid to not reduce and lose your Social Security benefits because theres lots of things that we might do slip up or not know about that could unavoidably reduce what your Social Security benefits are going to be and as a federal employee Social Security can be a major piece of your retirement if you know the rules and how it works for you and how to get the most out of it for you so if you are new here my name is Dallin Haas it is always a pleasure thank you for being here Im a financial planner serving you folks you federal employees and helping you guys retire comfortable and confident lets Dive Right In so number one double dipping if basically if you start Social Security and you have not yet hit your full retirement age and thats for social security purposes Im not talking about your minimum retirement age for um for your government service your federal time Im n