Why 62 Can Be the Best Age to Collect Social Security

Описание: For years, retirees have been told the same advice: “Don’t take Social Security at 62. Always wait.”
But what if that guidance is wrong for more people than we realize?

In this video, we break down why collecting Social Security at age 62 can be the smartest move for some retirees, and why blindly waiting until 67 or 70 can create financial stress, unnecessary risk, and missed opportunities.

We start by challenging the myth that delaying benefits is always better. While waiting does increase your monthly check, Social Security is ultimately a break-even decision that depends heavily on longevity, health, employment prospects, and lifestyle goals. Many retirees must live well into their 80s to truly benefit from delaying—and many won’t reach that point.

The video explores real-world factors rarely discussed in traditional retirement advice, including late-stage unemployment, declining health, and the difficulty of staying fully employed into your late 60s. We explain how taking benefits at 62 can provide critical cash flow, especially if you’ve lost your career job or need income to avoid draining retirement savings too early.

We also show how early Social Security can help protect your investment portfolio by reducing withdrawals, lowering sequence-of-returns risk, and giving markets time to recover. For some retirees, Social Security becomes a form of financial insurance when retirement assets are most vulnerable.

Beyond the math, we discuss personal preferences and lifestyle choices—including part-time work, simpler living, and combining multiple income sources to create a comfortable early retirement.

Finally, we address the uncertainties no one likes to talk about: health changes, market volatility, policy risk, and the reality that life rarely follows a perfect plan.

This video isn’t about choosing the “right” age—it’s about choosing the right strategy for your life.

If you’re approaching retirement or debating when to claim Social Security, this video could change how you think about one of the most important decisions you’ll ever make.

REFERENCE SOURCES:
Scientific American – average life expectancy: https://www.scientificamerican.com/ar...
AARP – break-even points on collecting benefits early: https://www.aarp.org/social-security/...
Social Security 2026 earnings limit: https://www.ssa.gov/benefits/retireme...

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