Social Security Claiming Ages and Your Lifetime Benefits

When should you claim Social Security? In this episode of Retirement Planning with Fexingo, Lucas and Luna break down the trade-offs of claiming at 62, full retirement age, or 70. Using a concrete example of a 65-year-old couple, they walk through how a 3-year delay can boost lifetime benefits by over $100,000. They also discuss spousal benefits, the earnings test, and why many retirees regret claiming early. If you're approaching retirement, this episode gives you a clear framework to decide when to start your benefits. #SocialSecurity #RetirementAge #ClaimingStrategy #FullRetirementAge #DelayedRetirementCredits #SpousalBenefits #EarningsTest #BenefitBoost #RetirementIncome #FRA #LifetimeBenefits #FileAndSuspend #RestrictedApplication #RetirementPlanning #Finance #FexingoBusiness #BusinessPodcast #RetirementCountdown Keep every episode free: buymeacoffee.com/fexingo