2 Reasons I'll Be Taking Social Security Long Before Age 70
The Motley Fool
by newsfeedback@fool.com (Maurie Backman)February 14, 2026
AI-Generated Deep Dive Summary
The article discusses two reasons why someone might opt to claim Social Security benefits before reaching age 70, challenging the conventional advice to wait as long as possible for higher monthly payments. The author highlights that while delaying claims can boost benefits, their personal circumstances—such as financial stability or health concerns—make early claiming more appealing.
Firstly, the article points out that full retirement age is 67 for individuals born in 1960 or later, allowing claimants to receive their full benefits based on their work history. Delaying beyond this point increases monthly payments, but this strategy may not align with everyone's financial goals or health needs.
Secondly, while waiting until 70 can lead to the highest possible Social Security checks, the article argues that this decision should be tailored to individual circumstances. Factors like job stability, healthcare needs, and overall financial planning play a crucial role in determining the best time to claim benefits.
In conclusion, the article emphasizes the importance of personalizing one's Social Security strategy. It underscores that there is no one-size-fits-all approach, and readers should consider their unique situation when deciding whether delaying benefits is beneficial or if starting earlier aligns better with their financial and health needs. This perspective is vital for those navigating retirement planning to ensure they make informed decisions aligned with their personal goals and risks.
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Originally published on The Motley Fool on 2/14/2026