I Thought I'd Wait Until 70 to Claim Social Security. Now I've Changed My Mind.
The Motley Fool
by newsfeedback@fool.com (Dana George)February 14, 2026
AI-Generated Deep Dive Summary
Waiting until age 70 to claim Social Security was part of a well-laid plan for many, offering the chance to maximize benefits. However, life’s unpredictability often intervenes, leaving some to reevaluate their strategy. In this article, the author reflects on years of financial planning derailed by crises like job losses, health issues, and economic downturns. Despite saving aggressively and investing wisely, these disruptions forced a shift in plans, including reconsidering the optimal age to claim Social Security.
The decision to delay claiming benefits until 70 is often advised for those aiming to maximize their long-term income potential. However, this approach isn’t without risks, especially when unexpected events can force individuals to access their benefits earlier than planned. The article highlights how life’s uncertainties can overshadow even the most carefully crafted financial plans.
For readers interested in finance and retirement planning, this story underscores the importance of flexibility. While waiting until 70 may be ideal for some, it’s crucial to regularly assess personal circumstances and adjust plans accordingly. This approach ensures that financial decisions remain aligned with evolving needs and realities, ultimately offering a more sustainable path to financial security.
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Originally published on The Motley Fool on 2/14/2026