Should you claim Social Security at 62, wait until full retirement age, or delay until 70? In this video, we break down what you need to consider before making your decision, including the permanent reduction from claiming early, your break-even age, survivor benefits for your spouse, taxes, Medicare premiums, Roth conversion opportunities, and sequence-of-returns risk. The right claiming age isn’t simply about getting the biggest check—it’s about how Social Security fits into your investments, taxes, longevity, and overall retirement income plan.