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I'm Lars Engman with the New Horizons team, and this video shares a personal lesson our family experienced that many households may not realize. When a spouse steps out of the workforce; whether to raise children or for other reasons; it can affect more than just the paycheck. It can also impact things like Social Security credits, disability eligibility, and employer benefits that were tied to that work history. In this video I walk through a simple checklist that families can use to better understand these risks and verify their protections. If you'd like to learn more about our approach to financial planning, you can visit our website: https://www.newhorizonsbfs.com/ If you have questions, feel free to reach out to our team anytime at: info@newhorizonsbfs.com If you found this helpful, consider subscribing and leave a comment with any topics you'd like to see covered in future videos. #socialsecurity #retirementplanning #financialeducation #personalfinance #familyfinance