Social Security Claiming Strategies: Beyond the Breakeven Calculator (Ep. 74)
Update: 2025-10-15
Description
Deciding when to start Social Security is more than a math equation. It’s about balancing life expectancy, risk tolerance, and long-term income needs.
In this episode, I explore the trade-offs of claiming early versus delaying for larger benefits. I explain how investing early benefits might change the picture, why survivor benefits matter, and how taxes and policy changes could influence your strategy. This conversation highlights the importance of tailoring the decision to your unique situation.
Key Points:
- Why breakeven calculators don’t tell the full story about Social Security timing
- The potential of investing early benefits into accounts like a Roth IRA
- How spousal benefits and survivor planning influence claiming strategies
- The role of taxes, risk tolerance, and other income sources in the decision
- Possible future adjustments Congress may make to Social Security rules
- And more
Resources:
- Get Your FREE Simply Retirement Roadmap
- #3 – Preparing for Retirement: Seven Essential Strategies for Successful Investing in Retirement
- Free white paper: Preparing for Retirement: Seven Essential Strategies for Successful Investing in Retirement
Connect with Eric Blake:
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