Retirement Answer Man Listener Questions: Should I Take Social Security Early and Invest It?
Apr 8, 2026
A lively discussion about whether to claim Social Security early and invest the benefits. Short mathematical scenarios explore how investment returns and lifespan change the outcome. Clear reasons for claiming early versus delaying are weighed. Practical tips on inherited Roth moves, avoiding 401(k) fees, and downloading your Social Security statement are highlighted.
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Joy Of Doing Nothing In Retirement
- Steve found the greatest joy in retirement by embracing days without plans and letting his mind wander.
- He retired at 67 and discovered freedom to think, create, and enjoy peace rather than chase accomplishments.
Taking The Longest Flight As A Retirement Dream
- A retired Navy client is taking the world's longest nonstop flight from New York to Singapore to fulfill a long-held dream.
- He reserved business-class on that ultra-long route and his wife joined despite little interest, showing retirement as a chance to pursue curiosities.
When Taking Social Security Early Can Make Sense
- If you don't need Social Security and expect long life, taking benefits early and investing them can mathematically win depending on returns and longevity.
- Roger models breakeven around ~6% annual return with long life; earnings tests can reduce early benefits before full retirement age.
