Social Security break-even age — it sounds simple, but most people calculate it wrong. In this episode, Erik Soderborg sits down with Zacc Call, president of Capita Financial Network, for Part 3 of our 4-part Social Security series.

We walk through how to actually calculate your Social Security break-even age and break down the 3 most common mistakes that lead to an inaccurate number — and potentially a bad filing decision.

We cover why ignoring the Cost of Living Adjustment (COLA) skews your break-even, why Social Security filing needs to be a team decision with your spouse, and why you can't ignore the investment growth you'd get by leaving your portfolio untouched while delaying benefits.

Whether you're 62 and deciding when to file or still a few years out, this episode gives you the framework to make a smarter, more informed decision.

📌 Watch the full Social Security series:

▸ Part 1: https://youtu.be/AZfxGBp-Mts

▸ Part 2: https://youtu.be/Ssgulq9KwEU

🔗 Want help building a retirement income plan that accounts for Social Security, taxes, and investments? Visit https://theretirementnerds.com/ to connect with our team.

⏱️ Timestamps:

0:00 Intro

1:38 Break Even Basics

5:13 Mistake #1: COLA

6:52 Mistake #2: Team Sport

9:18 Mistake #3: Growth on Growth

17:37 Example 1: Same BD, Similar Benefits

27:49 Life Expectancy Ideas

29:59 Example 2: Different BD, Different Benefits

40:33 Where to Get Help

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