When to Claim Social Security (The Advice No One Gives You)

90% of Americans plan to claim Social Security before age 70. Are they making a mistake, or is the “wait until 70” advice missing something?

In this video, I break down the CBS News headline based on the Schroders 2025 Retirement Survey, what the data actually says about claiming behavior, and the five questions you should ask before deciding when to claim Social Security, especially if you have $2M+ in investable assets.

This is not a “claim at 62” video. It’s not a “wait until 70” video either. It’s about understanding how your Social Security decision connects to your tax picture, your spouse’s situation, your portfolio composition, your Medicare costs, and more.