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Deciding when to claim Social Security is a crucial retirement decision, and understanding your Social Security break-even age can help you make a more informed choice.

In this video, Brian Bourque from SmartAsset explains how the break-even age works, why it matters, and what personal factors you should consider before claiming your benefits.

We’ll walk you through:

What the Social Security break-even age is and how it affects your lifetime income
How to calculate your own break-even age with real-world examples
Key factors that can impact your decision, including health, life expectancy, taxes, and spousal benefits
How Social Security fits into your broader retirement income plan alongside 401(k)s, IRAs, pensions, and savings
Why there’s no universal “best” age to claim, and how to weigh your options for your unique situation

Whether you’re planning to claim at 62, full retirement age, or 70, this guide will help you understand the trade-offs and make a decision that aligns with your goals.

For more details, check out our full article here: https://smartasset.com/retirement/soc...

Chapters:
00:00 – Should You Claim Social Security Early or Wait?
00:16 – Meet Brian Bourque & SmartAsset
00:27 – What Is the Social Security Break-Even Age?
00:56 – How to Calculate Your Break-Even Age
01:39 – Factors That Affect Your Decision
02:10 – How Social Security Fits Into Your Retirement Plan
02:31 – Beyond The Break-Even Calculation
02:51 – Key Takeaways & Recap
03:08 – Connect with a Financial Advisor

Ready to make smarter retirement decisions? Subscribe for more expert insights, and connect with a vetted financial advisor using the link above.

Have questions about your Social Security strategy? Drop them in the comments below!

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