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If your parents passed away relatively young, it’s only natural to wonder whether you’ll follow the same path. And from a financial standpoint, does that change how you should approach things like retirement planning and when to draw Social Security benefits? In this episode, Ryan answers a listener’s question on this exact topic.

Here’s what we discuss in this episode:

⏳ Claiming at 62 locks in lower benefits for life

📈 Holding off on SS can grow your payout by 8% a year

💑 Spousal benefits and legacy goals change the equation

🛠️ Planning tools can show which claiming age improves your long-term success

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