Many retirees consider the idea of buying a franchise to supplement their retirement or even to fund an IRA. Some can be good opportunities but look before you leap. Most franchises cost six to seven figures to get in. Is it worth it? Subway is a lower cost franchise, however, many believe it has expanded beyond reasonable limits and franchisees report net earnings are down. Steve and Sinclair review a Wall Street Journal piece with interesting facts on the expansion of Subway, McDonald's, and Starbucks, pros and cons. CFP® Murray Titterington with IQ Wealth joins the A Team to review rules on earnings limitations while taking Social Security, as well as ex-spousal claiming rules.