10 Really Good Reasons to File for Social Security at Age 62

Two people, same age, same savings, same expenses. One files for Social Security at 62. The other waits until 70.

Everyone knows the one who waits gets a bigger check. Almost nobody looks at what's happening to the other person's money while they wait.

Here are 10 reasons the person who files at 62 might actually come out ahead, plus one thing that makes this decision far less permanent than you've been told.

We're going to cover:

- why the break-even calculator everyone gets handed (the one that says wait if you'll live past 81) is technically correct and still gets the real answer wrong
- what a 40% market drop does to your withdrawal rate depending on which age you filed at, and why the gap is bigger than most people expect
- the version of this decision I'd make differently if my own wife were 10 years older than me
- the client who scrapped an "optimized" plan and told me exactly why she was right to
- the Social Security benefit that disappears the longer you wait, and has nothing to do with your own check
- the one move at 67 that can undo a decision you made at 62

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