Claiming Social Security at 62: What You’re Really Giving Up

Claiming Social Security at 62: What You’re Really Giving Up

It sounds like a smart move: claim your Social Security early, invest the checks, and get ahead.

But for many high earners, that strategy can backfire… and cost far more than expected. As Erin Kennedy and I discuss, claiming early and investing the benefit isn’t as simple as it sounds. 

🎯 We also break down:

• How the Social Security earnings test can wipe out your benefit while you’re still working

• The true cost of claiming at 62 vs. waiting until full retirement age, or even 70

• The often-overlooked impact on your spouse, especially survivor benefits

💡 Bottom line: Timing when you claim Social Security isn’t just about getting paid sooner, it’s about maximizing income, protecting your spouse, and avoiding costly mistakes. It's one of the most important decisions you will make in retirement, and it's something I specialize in. To determine when you should claim, just text or call me at 830-476-2505, or book a free chat.