The advice is usually pretty standard: delaying Social Security until 70 is the best claiming decision to make. By doing this, you're maximizing your benefit amount, and since your break-even age will probably be around 80, it makes the most sense for your retirement plan as a whole. However, like a lot of things in life, a one-size-fits-all solution doesn't apply here.

In this video, we'll show how a couple benefitted from doing the opposite of this standard advice - and, in the end, generated an additional $300,000 in retirement funds.