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Turning 62 unlocks Social Security, but deciding when to file is one of the biggest income decisions you’ll make in retirement. Find out why some people claim early, why others wait, and how fear, health, and lifestyle goals often shape the decision more than math alone. If you want a decision you won’t second-guess later, Dennis helps you think it through.

Here’s some of what we discuss in this episode:

🗓️ Filing Timing: How to think about starting Social Security

😓 Early Claiming Reasons: Work burnout, health, and fear of “missing out”

🎯 Full Retirement Age: Why waiting can change the outcome

💡 Early Strategy Options: What to do if you claim but don’t need income

📊 Planning Process: How decisions are tested inside a real retirement plan

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