Early Retirement Roadmap27 Touko 2025

Claim Social Security at 62, 67, or 70? The Answer May Surprise You!

Should you claim Social Security early, wait until full retirement age, or delay until 70?

In this podcast, we walk through a real retirement case study and run the numbers to show how your claiming age affects your investments, taxes, and even your health insurance premiums.

📊 See why delaying may not always be the best choice—and how opportunity cost could erode your nest egg more than you realize.

💡 You’ll learn:

✅The real math behind claiming at 62, 67, or 70

✅Why investment returns matter more than you think

✅How taxes and ACA premiums are impacted

✅What most people overlook in Social Security planning

👉 Don’t make a decision until you understand these trade-offs!

📊 Resources: • Social Security Benefit Reduction Chart by Claiming Age: https://smartasset.com/retirement/social-security-early-retirement-penalty-chart

💼My Favorite Retirement Planning Tool. If you're serious about planning for early retirement, you've got to check out Boldin. It's a powerful tool that helps you map out your financial future -- whether you're a DIY planner or just want to stress-test your retirement strategy. I personally use it and highly recommend! Try Boldin here: https://go.boldin.com/earlyretirementroadmap

Disclosure: This is an affiliate link, which means I may earn a small commission at no extra cost to you. It's a simple way to support this podcast and the content I create. Thank you!

✅Get these Free Resources available too on my Patreon!:

📊Free MAGI calculator Excel template

📊Free 12-Step Early Retirement Planning Checklist

📊Free eBook: ACA Premium Shock Fix, 10 Ways to Pay Less for Marketplace Coverage All Year Long

👉To get these free downloads, go to my Patreon, click Join for Free, then click on the Tools collection, and you can download any of them from there. Here is the link to my Patreon: https://www.patreon.com/cw/earlyretirementroadmap

❤️ Like, Follow, Subscribe, and Share if this helped! 🎧

🌐 Visit: [mikeupland.com](https://mikeupland.com/)

☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com)

DISCLAIMER: This podcast is for educational purposes only and is based upon my personal experience and research. Before making any major retirement decisions, please consult with qualified financial, tax, investment and legal professionals.

#socialsecurity #socialsecuritybenefit #retirementplanning #retireearly #financialfreedom

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